Flood insurance data for every US state and county
How many buildings are insured against floods, what policies cost and how much has been paid in claims, from FEMA's official National Flood Insurance Program records.
Active flood policies
4,530,915
NFIP policies in force
Average yearly premium
$1,270
per policy, per year
Claims paid since 1978
$89.7B
across 2,705,816 claims
Policies in high-risk zones
61%
zones A and V, where known
Choose a state
Alabama45,084 policies · $1,437/yrAlaska3,288 policies · $410/yrArizona22,281 policies · $949/yrArkansas11,109 policies · $1,060/yrCalifornia172,079 policies · $1,087/yrColorado16,061 policies · $1,155/yrConnecticut31,414 policies · $1,998/yrDelaware25,282 policies · $1,110/yrDistrict of Columbia2,167 policies · $615/yrFlorida1,773,384 policies · $1,484/yrGeorgia70,251 policies · $973/yrHawaii65,112 policies · $3,875/yrIdaho4,766 policies · $1,089/yrIllinois30,735 policies · $1,331/yrIndiana15,361 policies · $1,012/yrIowa9,284 policies · $1,374/yrKansas6,647 policies · $1,051/yrKentucky17,411 policies · $1,548/yrLouisiana401,195 policies · $1,039/yrMaine8,541 policies · $1,561/yrMaryland61,818 policies · $817/yrMassachusetts57,886 policies · $1,699/yrMichigan19,516 policies · $908/yrMinnesota6,380 policies · $1,183/yrMississippi48,510 policies · $1,233/yrMissouri14,566 policies · $1,482/yrMontana3,717 policies · $974/yrNebraska7,346 policies · $964/yrNevada9,075 policies · $931/yrNew Hampshire7,310 policies · $1,685/yrNew Jersey195,434 policies · $1,622/yrNew Mexico13,786 policies · $1,160/yrNew York166,009 policies · $1,541/yrNorth Carolina130,302 policies · $1,005/yrNorth Dakota5,737 policies · $848/yrOhio22,156 policies · $1,120/yrOklahoma8,363 policies · $1,069/yrOregon22,763 policies · $1,183/yrPennsylvania42,260 policies · $1,643/yrPuerto Rico10,943 policies · $501/yrRhode Island11,703 policies · $1,340/yrSouth Carolina190,498 policies · $1,114/yrSouth Dakota2,504 policies · $1,194/yrTennessee23,056 policies · $1,308/yrTexas568,310 policies · $1,016/yrUtah4,238 policies · $748/yrVermont3,991 policies · $1,813/yrVirginia89,785 policies · $868/yrWashington29,629 policies · $1,129/yrWest Virginia9,111 policies · $1,881/yrWisconsin11,155 policies · $1,009/yrWyoming1,606 policies · $991/yr
Counties with the most flood claims paid
Since 1978, NFIP claims
| County | Paid | Claims | Policies now |
|---|---|---|---|
| Harris County, TX | $8.8 billion | 170,854 | 226,261 |
| Orleans Parish, LA | $7.3 billion | 127,255 | 66,504 |
| Lee County, FL | $4.0 billion | 48,496 | 133,057 |
| Pinellas County, FL | $3.8 billion | 51,779 | 131,438 |
| Jefferson Parish, LA | $3.6 billion | 135,664 | 86,119 |
| Ocean County, NJ | $2.6 billion | 52,884 | 40,623 |
| Galveston County, TX | $2.5 billion | 60,620 | 59,907 |
| Nassau County, NY | $2.3 billion | 51,523 | 40,928 |
| St. Bernard Parish, LA | $2.2 billion | 23,919 | 9,037 |
| St. Tammany Parish, LA | $1.8 billion | 38,420 | 40,772 |
| East Baton Rouge Parish, LA | $1.3 billion | 22,575 | 40,071 |
| Harrison County, MS | $1.3 billion | 15,939 | 13,246 |
| Jefferson County, TX | $1.2 billion | 22,715 | 20,310 |
| Hillsborough County, FL | $1.2 billion | 18,556 | 64,175 |
| Collier County, FL | $1.1 billion | 14,773 | 99,388 |
| Suffolk County, NY | $1.1 billion | 33,936 | 28,748 |
| Orange County, TX | $1.0 billion | 12,876 | 11,906 |
| Monmouth County, NJ | $937.5 million | 20,039 | 19,776 |
| Sarasota County, FL | $856.6 million | 14,415 | 60,646 |
| Miami-Dade County, FL | $855.8 million | 62,029 | 361,415 |
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.