Flood insurance, county by county
4,516,346 US homes and businesses carry FEMA flood insurance, paying $1,271 a year on average. See the numbers for your state and county, from official National Flood Insurance Program records.
4,516,346
flood insurance policies in force
$1,271
average yearly premium, per policy, per year
$89.7B
paid on 2,705,816 claims since 1978
63%
of insured buildings in high-risk zones A and V
The floods that cost the most
Named events ranked by NFIP claims paid in the United States.
Hurricane Katrina 2005
$16.3 billion on 208,348 claims
Hurricane Harvey 2017
$9.1 billion on 92,398 claims
Hurricane Sandy 2012
$9.0 billion on 144,848 claims
Hurricane Helene 2024
$6.8 billion on 58,090 claims
Hurricane Ian 2022
$4.9 billion on 48,824 claims
Counties where floods have cost the most
NFIP claims paid since 1978.
| County | Paid since 1978 | Claims | Policies now |
|---|---|---|---|
| Harris County, TX | $8.8 billion | 170,854 | 225,407 |
| Orleans Parish, LA | $7.3 billion | 127,255 | 66,174 |
| Lee County, FL | $4.0 billion | 48,496 | 132,710 |
| Pinellas County, FL | $3.8 billion | 51,779 | 131,032 |
| Jefferson Parish, LA | $3.6 billion | 135,664 | 85,855 |
| Ocean County, NJ | $2.6 billion | 52,884 | 40,536 |
| Galveston County, TX | $2.5 billion | 60,620 | 59,722 |
| Nassau County, NY | $2.3 billion | 51,523 | 40,807 |
| St. Bernard Parish, LA | $2.2 billion | 23,919 | 8,993 |
| St. Tammany Parish, LA | $1.8 billion | 38,420 | 40,592 |
| East Baton Rouge Parish, LA | $1.3 billion | 22,575 | 39,899 |
| Harrison County, MS | $1.3 billion | 15,939 | 13,213 |
| Jefferson County, TX | $1.2 billion | 22,715 | 20,226 |
| Hillsborough County, FL | $1.2 billion | 18,556 | 63,938 |
| Collier County, FL | $1.1 billion | 14,773 | 99,115 |
| Suffolk County, NY | $1.1 billion | 33,936 | 28,655 |
| Orange County, TX | $1.0 billion | 12,876 | 11,878 |
| Monmouth County, NJ | $937.5 million | 20,039 | 19,719 |
| Sarasota County, FL | $856.6 million | 14,415 | 60,473 |
| Miami-Dade County, FL | $855.8 million | 62,029 | 360,716 |
Flood insurance by state
Average yearly premium next to each state.
- Alabama $1,438
- Alaska $411
- Arizona $950
- Arkansas $1,061
- California $1,088
- Colorado $1,154
- Connecticut $2,000
- Delaware $1,111
- District of Columbia $616
- Florida $1,485
- Georgia $974
- Hawaii $3,881
- Idaho $1,090
- Illinois $1,331
- Indiana $1,013
- Iowa $1,375
- Kansas $1,053
- Kentucky $1,550
- Louisiana $1,041
- Maine $1,558
- Maryland $818
- Massachusetts $1,700
- Michigan $909
- Minnesota $1,185
- Mississippi $1,234
- Missouri $1,484
- Montana $972
- Nebraska $965
- Nevada $932
- New Hampshire $1,683
- New Jersey $1,623
- New Mexico $1,160
- New York $1,542
- North Carolina $1,006
- North Dakota $849
- Ohio $1,120
- Oklahoma $1,070
- Oregon $1,184
- Pennsylvania $1,644
- Puerto Rico $501
- Rhode Island $1,337
- South Carolina $1,116
- South Dakota $1,198
- Tennessee $1,310
- Texas $1,018
- Utah $746
- Vermont $1,806
- Virginia $868
- Washington $1,131
- West Virginia $1,885
- Wisconsin $1,010
- Wyoming $996
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FEMA's official site. Private flood insurers also sell policies in many areas and are worth comparing.