Flood Insurance by State: U.S. Flood Map, Costs & Claims
Every state floods. This map shows where FEMA has paid flood insurance claims since 1978, how many homes in each state actually carry flood insurance, and what our clients typically pay — then takes you to the guide for your state.
United States flood map: claims and coverage by state
Each square is a state, laid out roughly where it sits on a map. Darker means more. Switch the view, then tap a state to see its numbers and open its guide.
Tap any state on the map to see its flood claims, how many homes are insured, and typical cost.
Source: FEMA OpenFEMA — NFIP Redacted Claims (claims by year of loss, 1978–2025) and NFIP Residential Penetration Rates (as of August 2026). NFIP only; private flood policies aren’t included.
Flood insurance by state: claims, policies and cost
Search for your state or tap a column to sort. The state name opens our full guide — flood zones, lender rules, NFIP vs. private, and costs by city.
| State | NFIP claims since 1978 | Claims 2016–2025 | Homes with NFIP policy | % of homes insured | Typical cost / yr |
|---|---|---|---|---|---|
| Alabama | 44,896 | 5,571 | 25,579 | 1.3% | $450–$1,000 |
| Alaska | 808 | 162 | 2,708 | 1.1% | $570–$994 |
| Arizona | 5,336 | 761 | 17,476 | 0.7% | $523–$870 |
| Arkansas | 10,260 | 2,342 | 8,993 | 0.8% | $400–$1,000 |
| California | 53,563 | 7,386 | 140,683 | 1.3% | $398–$1,700 |
| Colorado | 5,802 | 529 | 11,283 | 0.6% | $450–$1,200 |
| Connecticut | 29,492 | 2,012 | 21,039 | 2.1% | $500–$1,150 |
| Delaware | 6,339 | 594 | 17,547 | 4.8% | $450–$1,100 |
| Florida | 448,618 | 199,277 | 1,040,662 | 13.7% | $650–$900 |
| Georgia | 24,479 | 7,250 | 58,579 | 1.6% | $450–$1,000 |
| Hawaii | 6,285 | 1,155 | 11,829 | 3.9% | $646–$1,325 |
| Idaho | 1,116 | 353 | 3,768 | 0.5% | See guide |
| Illinois | 52,890 | 4,421 | 21,091 | 0.5% | $337–$2,230 |
| Indiana | 19,787 | 1,840 | 13,093 | 0.5% | $400–$1,200 |
| Iowa | 14,788 | 2,078 | 6,602 | 0.5% | $585–$1,420 |
| Kansas | 7,901 | 963 | 5,331 | 0.5% | $283–$3,673 |
| Kentucky | 27,947 | 5,325 | 14,136 | 0.8% | $400–$1,100 |
| Louisiana | 485,743 | 71,293 | 359,013 | 22.0% | $357–$2,100 |
| Maine | 5,672 | 1,304 | 6,651 | 1.2% | $400–$1,000 |
| Maryland | 25,376 | 2,967 | 33,232 | 1.7% | $450–$1,200 |
| Massachusetts | 35,375 | 3,470 | 36,939 | 2.0% | $500–$1,100 |
| Michigan | 14,954 | 3,242 | 16,036 | 0.4% | See guide |
| Minnesota | 12,474 | 836 | 5,166 | 0.2% | $256–$3,658 |
| Mississippi | 64,589 | 5,270 | 40,954 | 3.5% | $523–$896 |
| Missouri | 51,304 | 5,678 | 10,574 | 0.4% | $400–$1,200 |
| Montana | 2,220 | 307 | 3,070 | 0.6% | $283–$2,270 |
| Nebraska | 6,069 | 1,434 | 5,587 | 0.7% | See guide |
| Nevada | 1,964 | 315 | 7,964 | 0.8% | $400–$1,100 |
| New Hampshire | 4,423 | 694 | 4,490 | 1.1% | $400–$1,000 |
| New Jersey | 202,340 | 14,317 | 121,462 | 5.0% | $511–$994 |
| New Mexico | 1,938 | 668 | 11,342 | 1.4% | $499–$2,283 |
| New York | 175,430 | 11,892 | 118,001 | 2.5% | $660–$840 |
| North Carolina | 109,593 | 32,329 | 106,561 | 2.6% | $450–$1,000 |
| North Dakota | 13,307 | 233 | 4,925 | 1.8% | $320–$1,500 |
| Ohio | 28,417 | 2,701 | 18,041 | 0.4% | $400–$1,100 |
| Oklahoma | 12,998 | 1,355 | 6,994 | 0.5% | $296–$1,832 |
| Oregon | 6,095 | 525 | 16,155 | 1.1% | $450–$1,000 |
| Pennsylvania | 77,060 | 8,433 | 31,965 | 0.7% | $257–$2,983 |
| Rhode Island | 7,026 | 534 | 8,360 | 2.7% | $500–$1,100 |
| South Carolina | 49,622 | 15,590 | 121,417 | 6.1% | $511–$878 |
| South Dakota | 4,016 | 631 | 2,012 | 0.5% | $283–$2,036 |
| Tennessee | 17,706 | 3,888 | 18,014 | 0.7% | $400–$1,100 |
| Texas | 394,204 | 137,995 | 504,816 | 5.8% | $370–$1,650 |
| Utah | 1,216 | 211 | 3,169 | 0.3% | $400–$1,100 |
| Vermont | 3,725 | 1,065 | 2,848 | 1.1% | $400–$1,000 |
| Virginia | 50,609 | 5,878 | 72,514 | 2.7% | $494–$1,975 |
| Washington | 16,074 | 2,585 | 23,122 | 0.9% | $396–$1,500 |
| West Virginia | 27,998 | 2,749 | 7,748 | 1.0% | $400–$1,000 |
| Wisconsin | 9,522 | 1,970 | 8,947 | 0.5% | $397–$1,192 |
| Wyoming | 562 | 74 | 1,305 | 0.5% | $256–$2,540 |
Typical cost is the range we see in quotes for that state, not a FEMA figure. Your price depends on your address, building and coverage. “Homes” counts residential buildings.
Where do most floods happen in the United States?
On the Gulf and Atlantic coasts, by a wide margin. Louisiana, Florida, Texas, New Jersey and New York account for about 63% of all NFIP claims since 1978. Hurricanes and storm surge drive most of that — Katrina, Sandy, Harvey, Ian.
The last ten years are even more concentrated. Florida and Texas alone filed about 58% of NFIP claims from 2016 to 2025, and the Carolinas moved up the list after Florence and Helene.
Inland flooding is real, and mostly uninsured. Missouri, Illinois, Kentucky, West Virginia and Pennsylvania each have tens of thousands of claims from river floods and flash floods. Yet in much of the Midwest and Mountain West, fewer than 1 in 100 homes carries flood insurance.
Flood insurance by state: common questions
Which state has the most flood insurance claims?
Louisiana. FEMA’s records show 485,743 National Flood Insurance Program (NFIP) claims in Louisiana since 1978, followed by Florida (448,618) and Texas (394,204). Over the last ten years (2016–2025) the order changes: Florida leads with 199,277 claims, then Texas with 137,995 and Louisiana with 71,293.
How much does flood insurance cost by state?
There’s no honest single price per state. Since the NFIP moved to Risk Rating 2.0, every home is priced on its own: distance to water, elevation, foundation, building size and rebuild cost, and the coverage and deductible you pick. The ranges in the table above come from the quotes we see in each state; your state guide breaks it down further, and a quote on your actual address is the only number that counts.
Is there a flood map of the whole United States?
FEMA maps flood zones nationwide, but they’re published as local map panels, not one national picture — you look them up by address. The map on this page shows something different: where flood claims have actually been paid. To see your own flood zone, use our FEMA flood map lookup.
Where do most floods happen in the United States?
Measured by insurance claims, along the Gulf and Atlantic coasts: Louisiana, Florida, Texas, New Jersey and New York account for about 63% of all NFIP claims since 1978. But all 50 states have flood claims on record. River flooding, flash floods and heavy rain cause losses far from the coast, in places like Missouri, Illinois, Kentucky and West Virginia.
Do I need flood insurance if I’m not in a high-risk flood zone?
It’s usually not required — lenders require it in high-risk zones (zones starting with A or V). But standard homeowners and renters policies don’t cover flood in any zone, and homes outside high-risk zones are often cheaper to insure. About 42% of the homes with an NFIP policy today sit outside high-risk zones.
Your state is a starting point. Your address is the price.
We’re flood-only brokers. We compare the NFIP with private flood insurers for your home and tell you straight which one fits.