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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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