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NFIP Statistics

  • Floods are the #1 natural disaster in the United States.
  • From 2010 to 2014, the average flood claim amounted to nearly $42,000.
  • From 2005 to 2014, total flood insurance claims averaged more than $3.5 billion per year.
  • In 2014, the average flood insurance policy premium was about $700 per year.
  • 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 over 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 $345 million in flood insurance claims to all policyholders in 2014.
  • 2014 CLAIM REPORT FOR THE TOP 10 STATES
State Total Number of 2014 Claims
Florida 2,655
Alabama 1,121
New York 974
Texas 741
Pennsylvania 547
Louisiana 515
Michigan 495
Iowa 487
Ohio 438
Illinois 230
State Total 2014 Claims Payments
Florida $117,861,100
Alabama $52,668,831
Pennsylvania $15,751,428
Louisiana $15,697,280
New York $14,942,952
Texas $13,808,268
Ohio $12,385,821
Iowa $9,406,938
Michigan $8,816,751
Maryland $7,428,119

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, 21-Jul-2016, 1:51 PM (EDT)

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