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NFIP Statistics

  • Floods are the #1 natural disaster in the United States.
  • From 2011 to 2015, the average flood claim amounted to more than $46,000.
  • From 2006 through 2015, total flood insurance claims averaged more than $1.9 billion per year.
  • In 2015, the average policy premium was nearly $700.
  • Even though flood insurance isn't federally required, anyone can be financially vulnerable to floods. In fact, people outside of mapped high-risk flood areas file more than 20 percent of all National Flood Insurance Program flood insurance claims and receive one-third of Federal disaster assistance for flooding.
  • The NFIP paid more than $839 million in flood insurance claims to all policyholders in 2015.
  • 2015 CLAIM REPORT FOR THE TOP 10 STATES
State Total Number of 2015 Claims
Texas 9,670
South Carolina 3,715
Florida 1,079
Kentucky 1,034
Missouri 678
Oklahoma 561
Illinois 531
Louisiana 502
Washington 440
Indiana 410
State Total 2015 Claims Payments
Texas $520,336,507
South Carolina $119,240,544
Kentucky $25,234,330
Florida $23,685,285
Oklahoma $23,350,831
Missouri $19,282,815
Louisiana $13,755,188
Massachusetts $9,736,052
Washington $8,712,977
Indiana $7,862,386

PRIMARY RESIDENCE DISCLAIMER


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent
 

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Last Updated: Thursday, 25-Aug-2016, 10:44 AM (EDT)

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