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Total Number of Flood Claims by State and Year - NFIP

December 14, 2018

 

FEMA Flood Claims By State, Year

  2012 2013 2014 2015 2016
Alabama 319 185 1,365 127 407
Alaska 6 43 23 5 8
Arizona 66 54 256 41 110
Arkansas 1,116 114 175 183 446
California 669 272 226 404 337
Colorado 87 2,020 91 311 55
Connecticut 4,145 6,258 71 17 28
Delaware 277 1,560 53 10 176
Florida 689 2,284 3,823 1,765 3,310
Georgia 96 457 155 147 675
Hawaii 2 13 2 37 86
Idaho 29 11 17 9 10
Illinois 1,199 4,352 610 706 475
Indiana 715 681 295 523 111
Iowa 498 439 552 97 549
Kansas 125 107 25 94 177
Kentucky 996 109 375 1,245 149
Louisiana 2,793 1,194 728 563 35,155
Maine 55 44 38 13 13
Maryland 800 1,740 434 127 257
Massachusetts 820 1,016 122 560 39
Michigan 232 481 635 88 123
Minnesota 456 91 273 21 112
Mississippi 1,339 479 304 125 919
Missouri 1,713 907 271 527 1,726
Montana 454 22 37 8 8
Nebraska 388 14 53 268 100
Nevada 9 39 64 27 12
New Hampshire 170 43 27 14 11
New Jersey 22,222 75,300 652 207 1,702
New Mexico 13 91 49 29 34
New York 20,686 58,300 1,401 375 233
North Carolina 9,806 1,247 560 239 1,336
North Dakota 1,885 165 42 9 3
Ohio 1,543 528 736 524 81
Oklahoma 127 345 29 663 282
Oregon 76 50 24 32 255
Pennsylvania 11,279 836 785 243 172
Rhode Island 106 1,101 39 23 5
South Carolina 107 275 128 194 5,643
South Dakota 905 13 59 53 5
Tennessee 553 521 196 85 234
Texas 249 890 1,975 9,949 16,024
Utah 56 17 13 21 10
Vermont 1,463 39 26 33 5
Virginia 3,386 1,300 447 228 712
Washington 320 152 69 386 435
West Virginia 124 127 82 230 1,131
Wisconsin 109 127 59 29 102
Wyoming 22 9 11 27 9
Total 95,300 166,462 18,482 21,641 73,997

Note: Year runs from previous calendar year October through September. eg 2012 = Oct 1, 2011 - Sept 30, 2012 , source: FEMA

In 2016, there were 59,332 paid flood claims with an average amount of $62,247. In other words, about 1 in 100 households carrying flood insurance filed a claim that year. While your odds of experiencing flooding in any given year may seem quite low, over a long period of time, the chances of having a significant flood loss grow. 

Homeowners should know that there are many private flood carriers available. Private flood can offer some advantages over NFIP:

  Private Flood NFIP (Public)
Underwriting Questions 12 60
Elevation Certificate Required No Yes
Max Building Limit $750,000 $250,000
Waiting Period 15 days 30 days
Lender Accepted Yes Yes
Building Coverage Replacement Cost Replacement Cost
Contents Coverage Replacement Cost Actual Cash Value

If you are looking for flood insurance, it's best to check multiple options. Young Alfred works with many private flood insurance companies as well as NFIP.

Compare Flood Insurance 

At your service,
Young Alfred

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