Hurricane Helene

If you have flood insurance from FEMA's National Flood Insurance Program and experienced flooding during Hurricane Helene, visit How Do I Start My Claim to learn more about how to file your flood insurance claim. Further details on FEMA operations can be found on the following links: https://www.fema.gov/hurricane-helene Spanish: https://www.fema.gov/es/helene 

Farmers Property & Casualty Insurance Company
(616) 528-2244

Historical NFIP Claims Information and Trends

Historical flooding is one of several indicators of flood risk. It isn’t the only factor to use when determining your property’s flood risk. NFIP Claims are only one component to help determine your risk level, based on only those who participate in the NFIP. It is not a full-scale risk assessment of your county, and especially not your specific home.

  • Where it rains, it can flood.
  • Changing weather patterns can impact flooding vulnerability of your property.

It's always good to talk to a flood insurance agent to evaluate the full flood risk of your property.

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This data applies to flood insurance claims paid by the NFIP; it does not contain information on flood damage that was not covered by insurance or that was covered by private insurance.

Dollar amount of claims paid by NFIP

Number of NFIP claims paid

Key takeaways:

  • Flood claims are larger in coastal locations, but non-coastal states and counties have experienced flood events—more than you might expect.
  • Every state and territory in the United States has had some flood insurance claims between 1980 and today.
  • To date, 2005 was the largest year for flood related claims, partially due to the historic damage of hurricanes Katrina and Rita, as well as other storms that year.
  • Years with large hurricane events tend to have larger claim numbers.
Historical number of NFIP claims filed
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Historical NFIP claims payments paid
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Related Report:

Flood Insurance Data and Analytics

People's Trust Insurance Company
(561) 235-7004

No Direct Physical Loss Decision Upheld Garage, Flooring, Powerwalls

Summary

The policyholders through their representative (hereinafter “policyholders”) appeals the flood insurance carrier’s (hereinafter “insurer”) denial of a claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to their property arising in September 2022.

The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder’s claim. [2]  

No Direct Physical Loss Decision Upheld Interior Finishes

BUILDING COVERAGE: $250,000

PERS. PROPERTY COVERAGE: $100,000

DATE OF LOSS: November 2022

DATE OF DENIAL: June 2023

APPEAL SUBMISSION DATE: August 2023

APPEAL ELIGIBILITY DATE: August 2023

INSURER’S DENIAL: The insurer denied coverage for interior finishes, citing no direct physical loss by or from flood.

POLICYHOLDER’S APPEAL: Policyholder contests the denial of interior finishes and seeks policy limits, stating that the building has been condemned by local authorities and is a total loss. [1] 

Loss Settlement Decision Upheld

Summary

The policyholders through their representative (hereinafter “policyholders”) appeal the flood insurance carrier’s (hereinafter “insurer”) denial of a claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to their property arising in September 2022.

The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder’s claim. [2]  

No Direct Physical Loss Decision Upheld Kitchen Cabinets

BUILDING COVERAGE: $250,000

PERS. PROPERTY COVERAGE: $100,000

DATE OF LOSS: September 2022

DATE OF DENIAL: August 2023

APPEAL SUBMISSION DATE: August 2023

APPEAL ELIGIBILITY DATE: August 2023

INSURER’S DENIAL: The insurer denied coverage for the upper cabinet repairs and replacement of upper cabinet doors, citing no direct physical loss by or from flood.

POLICYHOLDER’S APPEAL: The policyholder states moisture from the flood event damaged their upper kitchen cabinets. [1] 

No Direct Physical Loss Decision Upheld Foundation Walls

Summary

The policyholder appeals the flood insurance carrier’s (hereinafter “insurer”) denial of a claim under the Standard Flood Insurance Policy (SFIP) [1] for damages to their property arising in April 2023.

The policyholder files this appeal under 44 C.F.R. § 62.20. The appeals process is available after the insurer issues a written denial, in whole or in part, of the policyholder’s claim. [2]  

After reviewing the issues, evidence, and relevant authorities, FEMA affirms the insurer’s decision.

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