Flood claims and flood insurance by county
1,978 counties have 5 or more claims. Harris County, TX has the most claims (73,085) and the most dollars ($6.5B). FEMA OpenFEMA, as of 8 Sep 2026.
Most claims, top 20 counties
| County | Claims | Paid | Per 1,000 homes | Homes insured |
|---|---|---|---|---|
| Harris County, TX | 73,085 | $6.5B | 58.7 | 16.6% |
| Lee County, FL | 39,286 | $3.9B | 113.2 | 24.2% |
| Pinellas County, FL | 30,643 | $3.6B | 78.2 | 19.4% |
| East Baton Rouge Parish, LA | 13,767 | $1.2B | 91.8 | 24.0% |
| Collier County, FL | 12,717 | $1.1B | 73.0 | 29.6% |
| Hillsborough County, FL | 12,224 | $1.1B | 27.3 | 12.1% |
| Jefferson County, TX | 10,738 | $1.0B | 126.6 | 22.0% |
| Galveston County, TX | 10,646 | $862.8M | 85.0 | 42.2% |
| Sarasota County, FL | 9,727 | $822.4M | 46.2 | 17.9% |
| Monroe County, FL | 8,933 | $324.6M | 234.6 | 58.2% |
| Charlotte County, FL | 8,931 | $463.7M | 88.7 | 32.0% |
| Broward County, FL | 8,658 | $350.2M | 13.3 | 19.2% |
| Volusia County, FL | 8,558 | $530.6M | 37.8 | 11.1% |
| Livingston Parish, LA | 8,511 | $754.2M | 165.2 | 26.6% |
| Miami-Dade County, FL | 8,011 | $262.2M | 16.3 | 33.4% |
| Manatee County, FL | 7,292 | $624.1M | 44.3 | 17.3% |
| Orange County, TX | 6,937 | $665.3M | 186.8 | 29.8% |
| Pasco County, FL | 6,852 | $577.9M | 29.9 | 10.3% |
| Brazoria County, TX | 6,634 | $451.6M | 54.5 | 22.5% |
| St. Johns County, FL | 6,383 | $244.6M | 65.9 | 23.2% |
Most dollars paid, top 20 counties
| County | Paid | Claims | Median claim | Homes insured |
|---|---|---|---|---|
| Harris County, TX | $6.5B | 73,085 | $71,405 | 16.6% |
| Lee County, FL | $3.9B | 39,286 | $68,414 | 24.2% |
| Pinellas County, FL | $3.6B | 30,643 | $103,463 | 19.4% |
| East Baton Rouge Parish, LA | $1.2B | 13,767 | $82,809 | 24.0% |
| Hillsborough County, FL | $1.1B | 12,224 | $90,854 | 12.1% |
| Collier County, FL | $1.1B | 12,717 | $53,293 | 29.6% |
| Jefferson County, TX | $1.0B | 10,738 | $86,868 | 22.0% |
| Galveston County, TX | $862.8M | 10,646 | $74,281 | 42.2% |
| Sarasota County, FL | $822.4M | 9,727 | $59,313 | 17.9% |
| Livingston Parish, LA | $754.2M | 8,511 | $83,236 | 26.6% |
| Orange County, TX | $665.3M | 6,937 | $93,720 | 29.8% |
| Manatee County, FL | $624.1M | 7,292 | $71,528 | 17.3% |
| Pasco County, FL | $577.9M | 6,852 | $85,000 | 10.3% |
| Volusia County, FL | $530.6M | 8,558 | $60,308 | 11.1% |
| Montgomery County, TX | $472.3M | 6,204 | $67,350 | 10.7% |
| Charlotte County, FL | $463.7M | 8,931 | $54,523 | 32.0% |
| Brazoria County, TX | $451.6M | 6,634 | $70,373 | 22.5% |
| Fort Bend County, TX | $433.4M | 5,495 | $86,779 | 15.4% |
| St. John the Baptist Parish, LA | $390.0M | 4,020 | $103,138 | 34.2% |
| Broward County, FL | $350.2M | 8,658 | $33,677 | 19.2% |
Most claims per 1,000 homes, top 20 counties
<p>Only counties with 1,000 or more residential structures and 5 or more claims are ranked, so a few claims in a tiny county cannot top the list.</p>| County | Per 1,000 homes | Claims | Homes insured | Paid |
|---|---|---|---|---|
| St. John the Baptist Parish, LA | 252.2 | 4,020 | 34.2% | $390.0M |
| Monroe County, FL | 234.6 | 8,933 | 58.2% | $324.6M |
| Hyde County, NC | 230.1 | 697 | 32.6% | $31.1M |
| Cameron Parish, LA | 209.9 | 634 | 30.1% | $39.1M |
| Pamlico County, NC | 192.1 | 1,323 | 26.2% | $39.4M |
| Aransas County, TX | 190.2 | 2,841 | 25.5% | $58.1M |
| Orange County, TX | 186.8 | 6,937 | 29.8% | $665.3M |
| Livingston Parish, LA | 165.2 | 8,511 | 26.6% | $754.2M |
| Jefferson County, TX | 126.6 | 10,738 | 22.0% | $1.0B |
| Gulf County, FL | 122.0 | 1,015 | 19.4% | $83.1M |
| Franklin County, FL | 117.5 | 927 | 25.1% | $20.6M |
| Lee County, FL | 113.2 | 39,286 | 24.2% | $3.9B |
| Dare County, NC | 106.8 | 3,339 | 39.7% | $61.4M |
| Ascension Parish, LA | 95.4 | 4,362 | 28.9% | $327.3M |
| Tyrrell County, NC | 93.7 | 239 | 16.6% | $4.3M |
| East Baton Rouge Parish, LA | 91.8 | 13,767 | 24.0% | $1.2B |
| Charlotte County, FL | 88.7 | 8,931 | 32.0% | $463.7M |
| St. Charles Parish, LA | 85.9 | 1,527 | 55.7% | $57.6M |
| Galveston County, TX | 85.0 | 10,646 | 42.2% | $862.8M |
| Pinellas County, FL | 78.2 | 30,643 | 19.4% | $3.6B |
The insurance gap: high-claim counties with the least coverage
<p>Among the 100 counties with the most claims per 1,000 homes, these 15 have the lowest share of homes with a flood policy. Low coverage does not make flooding more or less likely; it means fewer households could claim.</p>| County | Homes insured | Per 1,000 homes | Claims | Paid |
|---|---|---|---|---|
| Fremont County, IA | 1.3% | 25.2 | 119 | $8.0M |
| Marion County, SC | 2.0% | 30.4 | 416 | $21.0M |
| Covington city, VA | 2.0% | 21.3 | 60 | $1.0M |
| Iroquois County, IL | 2.0% | 29.9 | 376 | $8.9M |
| Lake County, SD | 2.0% | 21.5 | 146 | $6.4M |
| Columbus County, NC | 2.2% | 23.9 | 508 | $22.6M |
| Robeson County, NC | 2.6% | 32.5 | 1,268 | $54.0M |
| Calhoun County, IL | 3.1% | 54.6 | 137 | $2.9M |
| Floyd County, KY | 3.4% | 34.7 | 597 | $16.7M |
| Pike County, KY | 3.5% | 21.3 | 564 | $25.2M |
| Austin County, TX | 3.9% | 21.2 | 261 | $12.6M |
| Jones County, NC | 4.2% | 24.8 | 121 | $14.0M |
| Levy County, FL | 4.3% | 34.3 | 663 | $47.0M |
| Newton County, TX | 4.5% | 68.3 | 409 | $26.3M |
| Martin County, KY | 5.0% | 24.5 | 99 | $3.1M |
Pick a state
55 states and territories have 5 or more claims. State pages carry a flood block with their top counties.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Downloads
- County file: 3,236 counties, claims and dollars by year, policies, insured share, ranks
- State file: claims and dollars by year, policies, insured share
Cells with fewer than 5 claims are written as <5. Source and as-of dates: see below. County ranks in the file compare each county with the other counties of its state and with all U.S. counties that have 5+ claims.
Sources and dates
Claims and policy counts come from OpenFEMA's NFIP claims and policies files (as of 8 Sep 2026), the insured share from the residential penetration file (3 Aug 2026) and repetitive-loss counts from the multiple loss properties file (2 Aug 2026). Data are public and redacted, shown as aggregates only. OpenFEMA terms; not endorsed by FEMA. Dataset links and periods: state ranking page.
Keep going
Questions
What is the NFIP?
The National Flood Insurance Program, run by FEMA. It sells flood insurance to owners of homes and businesses in communities that take part, and its policy and claim records are published as open data.
What does this hub count?
NFIP claims with a loss date in 2015 to 2025: 620,729 in all, $37.8B paid. Only people with an NFIP policy appear, so private flood insurance is not counted.
Which county has the most flood claims?
Harris County, TX: 73,085 claims and $6.5B paid. Lee County, FL is second with 39,286.
Which county has the most claims for its size?
St. John the Baptist Parish, LA: 252.2 claims per 1,000 residential structures. The second is Monroe County, FL at 234.6.
What is the insured share?
FEMA residential contracts in force divided by residential structures in the county. For the whole U.S. it is 2.9% as of 3 Aug 2026.
What are repetitive-loss properties?
Properties with more than one NFIP loss. FEMA's file lists 238,407 multiple-loss properties, 34,823 of them severe repetitive loss, as of 2 Aug 2026; the county file carries the counts.
Can floods cause power outages?
Floods damage substations and lines, and utilities plan for it. The NFIP data are claims on insured buildings, not outage records; for outage figures use the utility reliability pages (SAIDI and SAIFI).
Why is a county missing?
Counties with no NFIP claims, or fewer than 5, are not ranked. They still show insurance data on their county page when FEMA publishes it.
How fresh are the data?
Claims and policies are as of 8 Sep 2026; the residential penetration file as of 3 Aug 2026. Recent loss years may still change.