Data · By State

Flood insurance claims by state, ranked

Cumulative National Flood Insurance Program claims on record, highest to lowest — a factual measure of where flooding has driven insured losses. This is exposure history, not a parcel-level flood-zone determination or a risk score.

As of Jul 6, 2026OpenFEMA NFIP

Flood is the costliest and most common natural disaster in the U.S., and standard homeowners policies exclude it — so flood exposure shows up as separate NFIP or private flood premiums, and increasingly as an availability problem. Whether a specific home sits in a flood zone is a parcel-level question for the FEMA Flood Map; see also whether a home will stay insurable.

#	State	NFIP claims on record
1	Louisiana	484,979
2	Florida	448,425
3	Texas	393,669
4	New Jersey	202,156
5	New York	175,253
6	North Carolina	109,539
7	Pennsylvania	76,907
8	Mississippi	64,278
9	California	53,545
10	Illinois	52,736
11	Missouri	51,261
12	Virginia	50,566
13	South Carolina	49,606
14	Alabama	44,875
15	Massachusetts	35,366
16	Connecticut	29,425
17	Ohio	28,179
18	Kentucky	27,849
19	West Virginia	27,832
20	Maryland	25,355
21	Georgia	24,418
22	Indiana	19,283
23	Tennessee	17,649
24	Washington	16,061
25	Michigan	14,921
26	Iowa	14,748
27	North Dakota	13,307
28	Oklahoma	12,973
29	Minnesota	12,470
30	Arkansas	10,250
31	Wisconsin	9,498
32	Kansas	7,857
33	Rhode Island	7,023
34	Delaware	6,334
35	Hawaii	6,250
36	Oregon	6,095
37	Nebraska	6,067
38	Colorado	5,778
39	Maine	5,671
40	Arizona	5,323
41	New Hampshire	4,422
42	South Dakota	4,017
43	Vermont	3,726
44	Montana	2,217
45	Nevada	1,960
46	New Mexico	1,927
47	Utah	1,204
48	Idaho	1,113
49	Alaska	805
50	Wyoming	561
51	District of Columbia	494