Flood insurance claims by state
How many National Flood Insurance Program (NFIP) claims were filed and how much the program paid, by state and year of loss. Built from FEMA’s public claims data and refreshed monthly.
Paid on 2025 floods
$628.3 million
13,143 claims
Paid on floods, 2016–2025
$36.8 billion
586,147 claims
Costliest year in the period
2017
$10.7 billion paid on 145,681 claims
NFIP claim payments by year of loss
| Year | Amount paid | Claims |
|---|---|---|
| 2016 |
$4.5 billion
|
85,497 |
| 2017 |
$10.7 billion
|
145,681 |
| 2018 |
$1.6 billion
|
42,625 |
| 2019 |
$1.5 billion
|
35,312 |
| 2020 |
$934.9 million
|
33,185 |
| 2021 |
$2.0 billion
|
46,699 |
| 2022 |
$5.3 billion
|
60,262 |
| 2023 |
$980.6 million
|
21,690 |
| 2024 |
$8.8 billion
|
102,053 |
| 2025 |
$628.3 million
|
13,143 |
Amounts are in dollars of the year paid, not adjusted for inflation. Payments combine building, contents, and increased cost of compliance coverage.
States with the most paid in 2025
| State | Claims | With a payment | Amount paid | Average per paid claim |
|---|---|---|---|---|
| Texas | 2,425 | 86% | $158.6 million | $76,007 |
| Kentucky | 2,171 | 90% | $112.6 million | $57,832 |
| Washington | 854 | 87% | $49.7 million | $67,047 |
| North Carolina | 698 | 85% | $43.7 million | $73,428 |
| Louisiana | 606 | 80% | $34.5 million | $71,530 |
| New Jersey | 869 | 87% | $32.5 million | $43,065 |
| Florida | 721 | 45% | $23.5 million | $72,728 |
| Indiana | 366 | 86% | $17.5 million | $55,604 |
| Wisconsin | 406 | 89% | $17.2 million | $47,596 |
| West Virginia | 440 | 85% | $16.7 million | $44,701 |
| Tennessee | 371 | 84% | $16.0 million | $51,204 |
| Arkansas | 269 | 91% | $14.0 million | $57,472 |
| California | 255 | 58% | $9.2 million | $62,276 |
| New Mexico | 159 | 74% | $8.7 million | $73,986 |
| Ohio | 185 | 83% | $7.5 million | $48,499 |
Costliest named flood events, 2016–2025
| Event (FEMA’s name) | Year | Claims | Amount paid |
|---|---|---|---|
| Hurricane Harvey | 2017 | 92,398 | $9.1 billion |
| Hurricane Helene | 2024 | 58,090 | $6.8 billion |
| Hurricane Ian | 2022 | 48,824 | $4.9 billion |
| Mid-summer severe storms | 2016 | 30,019 | $2.5 billion |
| Hurricane Ida | 2021 | 28,318 | $1.4 billion |
| Hurricane Milton | 2024 | 21,675 | $1.2 billion |
| Hurricane Irma | 2017 | 33,340 | $1.1 billion |
| Tropical Storm Imelda | 2019 | 10,940 | $752.9 million |
| Hurricane Florence | 2018 | 16,803 | $743.5 million |
| Hurricane Matthew | 2016 | 21,818 | $662.1 million |
All states and territories, 2016–2025
| State or territory | Claims | Amount paid |
|---|---|---|
| Florida | 199,277 | $15.5 billion |
| Texas | 137,995 | $11.2 billion |
| Louisiana | 71,293 | $4.3 billion |
| North Carolina | 32,329 | $1.3 billion |
| New Jersey | 14,317 | $500.7 million |
| South Carolina | 15,590 | $449.6 million |
| New York | 11,892 | $333.2 million |
| Pennsylvania | 8,433 | $280.6 million |
| Missouri | 5,678 | $256.4 million |
| California | 7,386 | $237.0 million |
| Kentucky | 5,325 | $212.6 million |
| Georgia | 7,250 | $191.6 million |
| Alabama | 5,571 | $181.0 million |
| Tennessee | 3,888 | $141.7 million |
| Virginia | 5,878 | $135.3 million |
| Mississippi | 5,270 | $133.0 million |
| Washington | 2,585 | $110.1 million |
| Arkansas | 2,342 | $100.8 million |
| West Virginia | 2,749 | $93.1 million |
| Illinois | 4,421 | $85.5 million |
| Massachusetts | 3,470 | $82.4 million |
| Michigan | 3,242 | $76.1 million |
| Oklahoma | 1,355 | $72.3 million |
| Iowa | 2,078 | $69.6 million |
| Ohio | 2,701 | $62.2 million |
| Maryland | 2,967 | $59.3 million |
| Wisconsin | 1,970 | $59.0 million |
| Hawaii | 1,155 | $58.2 million |
| Nebraska | 1,434 | $56.7 million |
| Vermont | 1,065 | $54.8 million |
| Indiana | 1,840 | $53.4 million |
| Connecticut | 2,012 | $52.0 million |
| Maine | 1,304 | $45.4 million |
| PR | 1,085 | $37.3 million |
| Kansas | 963 | $27.7 million |
| New Mexico | 668 | $27.4 million |
| South Dakota | 631 | $22.5 million |
| VI | 353 | $22.2 million |
| New Hampshire | 694 | $18.8 million |
| Rhode Island | 534 | $18.4 million |
| Minnesota | 836 | $17.4 million |
| Arizona | 761 | $17.2 million |
| Delaware | 594 | $13.4 million |
| Oregon | 525 | $11.7 million |
| Montana | 307 | $8.6 million |
| Alaska | 162 | $6.7 million |
| Nevada | 315 | $6.7 million |
| Idaho | 353 | $4.6 million |
| Colorado | 529 | $4.1 million |
| Utah | 211 | $2.1 million |
| District of Columbia | 221 | $2.0 million |
| North Dakota | 233 | $1.3 million |
| Wyoming | 74 | $935,468 |
| GU | 31 | $610,440 |
| AS | 5 | $31,343 |
How these figures are calculated
- Source: FEMA’s OpenFEMA NFIP Redacted Claims dataset. We add up individual claim records by state and by the year the flood happened, and store only the totals.
- “With a payment” counts claims with a building, contents, or increased cost of compliance payment above $0. Claims without a payment include those closed without payment and those still open.
- 2026 isn’t shown as a complete year: claims from recent floods keep arriving and many are still open, so recent totals rise over time.
- Only NFIP policies are included. Private flood insurance and other types of insurance aren’t.
- Event names are FEMA’s labels and aren’t assigned to every claim.
- FEMA redacts the dataset to protect policyholder privacy and notes that it isn’t an official federal report. WhyInsurance.me isn’t affiliated with FEMA.
Data retrieved Sep 13, 2026. FEMA: NFIP Redacted Claims dataset
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