Flood insurance claims by state
Florida has the most claims (201,270), then Texas (150,571) and Louisiana (72,161): together 68% of all claims. Per 1,000 residential structures Louisiana leads with 44.3. Source: FEMA OpenFEMA, as of 8 Sep 2026. Claims history, not an outage count.
Flood claims per 1,000 homes, by state
- 0.2 to 0.7
- 0.7 to 1.4
- 1.4 to 2.0
- 2.0 to 3.9
- 3.9 to 44.3
Darker means more NFIP claims per 1,000 residential structures, 2015 to 2025. Click a state for its page. States without a rate (territories, too few structures) are grey.
Where does your state stand?
Pick a state to see where it ranks.
All states in one table
| Alabama | 6,027 | $191.1M | $14,266 | 3.1 | 1.3% | 45,015 | 14th |
|---|---|---|---|---|---|---|---|
| Alaska | 169 | $6.8M | $26,349 | 0.7 | 1.1% | 3,274 | 52nd |
| American Samoa | 5 | $31K | $15,671 | n/a | n/a | n/a | 55th |
| Arizona | 804 | $17.6M | $17,210 | 0.3 | 0.7% | 22,255 | 38th |
| Arkansas | 2,710 | $111.0M | $27,847 | 2.3 | 0.8% | 11,086 | 24th |
| California | 7,511 | $238.4M | $22,031 | 0.7 | 1.3% | 171,903 | 11th |
| Colorado | 858 | $6.0M | $4,802 | 0.4 | 0.6% | 16,036 | 37th |
| Connecticut | 2,034 | $52.0M | $14,669 | 2.0 | 2.1% | 31,339 | 28th |
| Delaware | 636 | $13.5M | $5,578 | 1.7 | 4.8% | 25,227 | 43rd |
| District of Columbia | 238 | $2.0M | $3,552 | 1.9 | 1.1% | 2,159 | 50th |
| Florida | 201,270 | $15.5B | $59,473 | 26.5 | 13.7% | 1,769,966 | 1st |
| Georgia | 7,911 | $202.7M | $15,766 | 2.2 | 1.6% | 70,057 | 9th |
| Guam | 31 | $610K | $30,076 | n/a | n/a | 150 | 54th |
| Hawaii | 1,198 | $59.2M | $30,127 | 3.9 | 3.9% | 65,089 | 32nd |
| Idaho | 368 | $4.7M | $10,401 | 0.5 | 0.6% | 4,764 | 45th |
| Illinois | 5,413 | $97.8M | $9,913 | 1.4 | 0.5% | 30,599 | 16th |
| Indiana | 2,381 | $62.0M | $15,461 | 0.9 | 0.5% | 15,351 | 25th |
| Iowa | 2,192 | $72.7M | $13,380 | 1.6 | 0.5% | 9,261 | 26th |
| Kansas | 1,085 | $29.1M | $13,211 | 0.9 | 0.5% | 6,633 | 35th |
| Kentucky | 6,599 | $238.6M | $19,675 | 3.8 | 0.8% | 17,382 | 12th |
| Louisiana | 72,161 | $4.3B | $57,111 | 44.3 | 22.0% | 400,354 | 3rd |
| Maine | 1,317 | $45.5M | $22,534 | 2.5 | 1.2% | 8,514 | 31st |
| Maryland | 3,108 | $59.9M | $10,480 | 1.6 | 1.7% | 61,670 | 22nd |
| Massachusetts | 3,935 | $92.5M | $13,195 | 2.2 | 2.0% | 57,818 | 18th |
| Michigan | 3,339 | $76.5M | $11,896 | 0.8 | 0.4% | 19,491 | 19th |
| Minnesota | 859 | $17.4M | $10,725 | 0.4 | 0.2% | 6,372 | 36th |
| Mississippi | 5,446 | $135.5M | $15,064 | 4.7 | 3.5% | 48,444 | 15th |
| Missouri | 7,660 | $339.2M | $22,869 | 3.1 | 0.4% | 14,532 | 10th |
| Montana | 315 | $8.6M | $10,347 | 0.6 | 0.6% | 3,713 | 48th |
| Nebraska | 1,699 | $60.8M | $16,947 | 2.0 | 0.7% | 7,329 | 30th |
| Nevada | 346 | $7.0M | $10,792 | 0.3 | 0.8% | 9,060 | 47th |
| New Hampshire | 709 | $18.8M | $17,941 | 1.7 | 1.1% | 7,300 | 40th |
| New Jersey | 14,563 | $502.3M | $17,778 | 6.0 | 5.0% | 195,193 | 6th |
| New Mexico | 704 | $27.9M | $27,020 | 0.9 | 1.4% | 13,741 | 41st |
| New York | 12,219 | $335.9M | $15,773 | 2.6 | 2.5% | 165,776 | 7th |
| North Carolina | 33,125 | $1.3B | $17,398 | 8.2 | 2.6% | 130,065 | 4th |
| North Dakota | 243 | $1.3M | $3,504 | 0.9 | 1.8% | 5,729 | 49th |
| Ohio | 3,235 | $70.1M | $11,176 | 0.8 | 0.4% | 22,125 | 21st |
| Oklahoma | 2,116 | $99.3M | $29,927 | 1.4 | 0.5% | 8,348 | 27th |
| Oregon | 785 | $17.6M | $13,820 | 0.5 | 1.1% | 22,745 | 39th |
| Pennsylvania | 8,686 | $283.1M | $14,842 | 1.9 | 0.7% | 42,205 | 8th |
| Puerto Rico | 1,087 | $37.3M | $25,252 | n/a | n/a | 10,918 | 34th |
| Rhode Island | 559 | $18.4M | $12,676 | 1.8 | 2.7% | 11,690 | 44th |
| South Carolina | 21,300 | $596.6M | $15,640 | 10.8 | 6.1% | 190,253 | 5th |
| South Dakota | 685 | $24.7M | $17,159 | 1.7 | 0.5% | 2,501 | 42nd |
| Tennessee | 4,027 | $143.3M | $19,481 | 1.6 | 0.7% | 23,028 | 17th |
| Texas | 150,571 | $11.8B | $65,929 | 17.2 | 5.8% | 567,136 | 2nd |
| U.S. Virgin Islands | 354 | $22.2M | $37,897 | n/a | n/a | 1,545 | 46th |
| Utah | 235 | $2.1M | $6,018 | 0.2 | 0.3% | 4,234 | 51st |
| Vermont | 1,099 | $55.1M | $23,348 | 4.3 | 1.1% | 3,975 | 33rd |
| Virginia | 6,402 | $140.4M | $14,015 | 2.3 | 2.6% | 89,517 | 13th |
| Washington | 3,247 | $122.3M | $22,625 | 1.3 | 0.9% | 29,604 | 20th |
| West Virginia | 3,041 | $97.5M | $17,795 | 4.0 | 1.0% | 9,090 | 23rd |
| Wisconsin | 2,010 | $59.2M | $15,353 | 1.0 | 0.5% | 11,144 | 29th |
| Wyoming | 101 | $1.9M | $7,677 | 0.4 | 0.5% | 1,605 | 53rd |
Download CSV, 55 rows, claims and paid by year
Click a header to sort. Territories are listed without a page. Homes insured = FEMA residential contracts in force divided by residential structures (as of 3 Aug 2026).
Claims and dollars by year
<p>Claims by loss year are far from even: 2017 had 145,681 claims and 2025 had 13,143. The three biggest years by claim count are 2017 (145,681), 2024 (102,054), 2016 (85,497). Dollars paid peak in 2017 at $10.7B. The file is as of 8 Sep 2026, so claims filed or revised later are not in it.</p><figure class="fig"><div class="cols-c" style="--z:0%"><p class="b-u">NFIP flood claims a year, all states</p><ol aria-label="NFIP flood claims by year of loss, United States"><li class="pos" style="--b:0%;--h:23.7%"><i></i><b>34,581</b><span>'15</span></li><li class="pos" style="--b:0%;--h:58.7%"><i></i><b>85,497</b><span>'16</span></li><li class="pos" style="--b:0%;--h:100.0%"><i style="background:var(--s4)"></i><b>145,681</b><span>'17</span></li><li class="pos" style="--b:0%;--h:29.3%"><i></i><b>42,625</b><span>'18</span></li><li class="pos" style="--b:0%;--h:24.2%"><i></i><b>35,312</b><span>'19</span></li><li class="pos" style="--b:0%;--h:22.8%"><i></i><b>33,185</b><span>'20</span></li><li class="pos" style="--b:0%;--h:32.1%"><i></i><b>46,699</b><span>'21</span></li><li class="pos" style="--b:0%;--h:41.4%"><i></i><b>60,262</b><span>'22</span></li><li class="pos" style="--b:0%;--h:14.9%"><i></i><b>21,690</b><span>'23</span></li><li class="pos" style="--b:0%;--h:70.1%"><i></i><b>102,054</b><span>'24</span></li><li class="pos" style="--b:0%;--h:9.0%"><i></i><b>13,143</b><span>'25</span></li></ol></div></figure><figure class="fig"><div class="cols-c" style="--z:0%"><p class="b-u">dollars paid, billions a year</p><ol aria-label="NFIP dollars paid by year of loss, United States"><li class="pos" style="--b:0%;--h:9.8%"><i></i><b>1</b><span>'15</span></li><li class="pos" style="--b:0%;--h:41.9%"><i></i><b>4</b><span>'16</span></li><li class="pos" style="--b:0%;--h:100.0%"><i style="background:var(--s4)"></i><b>11</b><span>'17</span></li><li class="pos" style="--b:0%;--h:14.6%"><i></i><b>2</b><span>'18</span></li><li class="pos" style="--b:0%;--h:14.2%"><i></i><b>2</b><span>'19</span></li><li class="pos" style="--b:0%;--h:8.8%"><i></i><b>1</b><span>'20</span></li><li class="pos" style="--b:0%;--h:18.4%"><i></i><b>2</b><span>'21</span></li><li class="pos" style="--b:0%;--h:49.4%"><i></i><b>5</b><span>'22</span></li><li class="pos" style="--b:0%;--h:9.2%"><i></i><b>1</b><span>'23</span></li><li class="pos" style="--b:0%;--h:82.7%"><i></i><b>9</b><span>'24</span></li><li class="pos" style="--b:0%;--h:5.9%"><i></i><b>1</b><span>'25</span></li></ol></div></figure>| Loss year | Claims | Paid | Largest named event in the claims file |
|---|---|---|---|
| 2015 | 34,581 | $1.0B | Early summer storms (8,354 claims, 24% of the year) |
| 2016 | 85,497 | $4.5B | Mid-summer severe storms (30,019 claims, 35% of the year) |
| 2017 | 145,681 | $10.7B | Hurricane Harvey (92,398 claims, 63% of the year) |
| 2018 | 42,625 | $1.6B | Hurricane Florence (16,803 claims, 39% of the year) |
| 2019 | 35,312 | $1.5B | Tropical Storm Imelda (10,940 claims, 31% of the year) |
| 2020 | 33,185 | $934.9M | Hurricane Sally (8,120 claims, 24% of the year) |
| 2021 | 46,699 | $2.0B | Hurricane Ida (28,318 claims, 61% of the year) |
| 2022 | 60,262 | $5.3B | Hurricane Ian (48,824 claims, 81% of the year) |
| 2023 | 21,690 | $980.6M | Hurricane Idalia (5,522 claims, 25% of the year) |
| 2024 | 102,054 | $8.8B | Hurricane Helene (58,090 claims, 57% of the year) |
| 2025 | 13,143 | $628.3M | Central U.S. April Flooding (2,068 claims, 16% of the year) |
Flood insurance: policies and share of homes
NFIP policies in force on 31 December went from 5,259,395 in 2015 to 4,677,822 in 2025; on 8 Sep 2026 the file shows 4,524,324. FEMA counts 3,160,864 residential contracts on 109,326,879 residential structures, 2.9% insured. Louisiana has the highest share (22.0%), Florida next (13.7%); Minnesota the lowest (0.23%).
NFIP policies in force on 31 December, millions
- 5'15
- 5'16
- 5'17
- 5'18
- 5'19
- 5'20
- 5'21
- 5'22
- 5'23
- 5'24
- 5'25
Named events in the claims
<p>The claims file carries an event name on most claims. The largest by dollars: Hurricane Harvey ($9.1B), Hurricane Helene ($6.8B) and Hurricane Ian ($4.9B). Hurricane Harvey: 92,398 claims in 2017, $9.1B paid, most of them in TX (91,872); Hurricane Ian: 48,824 claims in 2022, $4.9B paid, most of them in FL (47,556); Hurricane Helene: 58,090 claims in 2024, $6.8B paid, most of them in FL (54,676); Hurricane Milton: 21,675 claims in 2024, $1.2B paid, most of them in FL (21,663); Hurricane Beryl: 2,528 claims in 2024, $60.2M paid, most of them in TX (2,514). 138,962 claims (22%) carry no event name. Names are FEMA's labels; the file gives no cause and this page adds none.</p>| Event name in the claims file | Loss year | Claims | Paid | States with most claims |
|---|---|---|---|---|
| Hurricane Harvey | 2017 | 92,398 | $9.1B | TX 91,872, LA 526 |
| Hurricane Helene | 2024 | 58,090 | $6.8B | FL 54,676, NC 2,028, GA 670 |
| Hurricane Ian | 2022 | 48,824 | $4.9B | FL 47,556, SC 1,073, NC 171 |
| Mid-summer severe storms | 2016 | 30,019 | $2.5B | LA 30,019 |
| Hurricane Ida | 2021 | 28,318 | $1.4B | LA 14,677, NJ 7,034, NY 3,355 |
| Hurricane Milton | 2024 | 21,675 | $1.2B | FL 21,663, GA 9 |
| Hurricane Irma | 2017 | 33,340 | $1.1B | FL 28,756, SC 2,363, GA 2,099 |
| Tropical Storm Imelda | 2019 | 10,940 | $752.9M | TX 10,937 |
| Hurricane Florence | 2018 | 16,803 | $743.5M | NC 15,337, SC 1,404, VA 62 |
| Hurricane Matthew | 2016 | 21,818 | $662.1M | SC 7,000, NC 5,929, FL 5,476 |
| Early summer storms | 2015 | 8,354 | $487.8M | TX 7,983, OK 371 |
| Spring severe storms | 2016 | 8,433 | $472.9M | TX 8,414, LA 19 |
How to read these numbers
- A claim is a record of a loss filed under an NFIP policy, by year of loss. Paid = building, contents and increased-cost-of-compliance payments, gross; the median covers claims paid above $0.
- Homes = FEMA residential structures per county; claims include non-residential policies, so a rate can be high where businesses were hit.
- Only people with an NFIP policy can claim: places with few policies show few claims even after a flood. Private flood insurance is not in the data.
- Cells under 5 claims are shown as <5. Nothing here is a count of power outages: floods damage substations and lines, but this is claims history.
Sources
| Source | Period | As of | Used for |
|---|---|---|---|
| OpenFEMA, NFIP Redacted Claims v3 | loss dates 2015 to 2025 | 8 Sep 2026 | Claims, paid, median claim, named events |
| OpenFEMA, NFIP Redacted Policies v3 | policies in force on the as-of date | 8 Sep 2026 | Policies in force, year-end trend |
| OpenFEMA, NFIP Residential Penetration Rates v1 | contracts in force and residential structures | 3 Aug 2026 | Homes insured, claims per 1,000 homes |
| OpenFEMA, NFIP Multiple Loss Properties v1 | properties with repeated losses | 2 Aug 2026 | Repetitive-loss properties |
Public, redacted OpenFEMA data, used here as aggregates only: no claim-level records, coordinates or addresses, and every count under 5 is hidden. Terms: OpenFEMA terms and conditions. This site is not endorsed by FEMA.
Keep going
Questions
Which state had the most NFIP flood claims from 2015 to 2025?
Florida: 201,270 claims and $15.5B paid, ahead of Texas (150,571) and Louisiana (72,161).
Which state has the most flood claims per home?
Louisiana with 44.3 claims per 1,000 residential structures, then Florida (26.5) and Texas (17.2); the U.S. figure is 5.7.
How much did the NFIP pay out?
$37.8B on 620,729 claims with loss dates in 2015 to 2025, as of 8 Sep 2026. The median paid claim was $40,107, among 492,047 claims paid above $0.
Which years had the most flood claims?
2017 had 145,681 claims and 2017 saw the most dollars ($10.7B). 2025 had the fewest, 13,143.
How many homes have flood insurance?
FEMA counts 3,160,864 residential contracts on 109,326,879 residential structures: 2.9%. The share runs from 22.0% in Louisiana to 0.23% in Minnesota (as of 3 Aug 2026).
Do flood claims show power outages?
No. A claim is a loss on an insured building. Floods damage substations and lines, but the claims file has no outage data, so use it as history of flood damage, not as outage minutes.
Why do some cells say <5?
OpenFEMA data are public and redacted; this site shows only aggregates and hides any count under 5 claims so that no single claim can be traced to a person or address.
Which events drove the biggest years?
By the claims file's own event names: Hurricane Harvey in 2017 (92,398 claims), Hurricane Helene in 2024 (58,090) and Hurricane Ian in 2022 (48,824).
Where can I see my county?
Every county page with FEMA data has a flood claims and flood insurance block, and the flood hub ranks counties by claims, dollars and insured share.