Flood insurance claims in every US county
FEMA has published 2,725,989 National Flood Insurance Program claim records, with $89.86 billion paid on building, contents and compliance cover. Look up any county to see its claims by year, the storms behind them and how many homes have flood insurance today.
Counties with the most NFIP claims
| County | Claims | Paid |
|---|---|---|
| Harris County, TX | 170,854 | $8.76 billion |
| Jefferson Parish, LA | 135,664 | $3.59 billion |
| Orleans Parish, LA | 127,255 | $7.30 billion |
| Miami-Dade County, FL | 62,029 | $855.8 million |
| Galveston County, TX | 60,620 | $2.47 billion |
| Ocean County, NJ | 52,884 | $2.61 billion |
| Pinellas County, FL | 51,779 | $3.76 billion |
| Nassau County, NY | 51,523 | $2.28 billion |
| Lee County, FL | 48,496 | $3.96 billion |
| St. Tammany Parish, LA | 38,420 | $1.78 billion |
| Broward County, FL | 35,049 | $457.9 million |
| Suffolk County, NY | 33,936 | $1.11 billion |
| Cape May County, NJ | 28,016 | $414.6 million |
| Monroe County, FL | 27,430 | $714.0 million |
| St. Bernard Parish, LA | 23,919 | $2.25 billion |
Browse by state or see which counties have the lowest flood insurance take-up.
Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.
Sources
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026
Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.