{
 "title": "Flood damage by interior water depth, NFIP paid claims 2015-2024",
 "source": {
  "publisher": "Federal Emergency Management Agency (FEMA), OpenFEMA",
  "dataset": "NFIP Redacted Claims - v3",
  "dataset_page": "https://www.fema.gov/openfema-data-page/nfip-redacted-claims-v3",
  "endpoint": "https://www.fema.gov/api/open/v3/NfipClaims",
  "version": "v3",
  "filter": "yearOfLoss eq <year> and amountPaidOnBuildingClaim gt 0 (one request per year)",
  "terms": "https://www.fema.gov/about/openfema/terms-conditions",
  "retrieved_utc": "2026-10-09T12:06:56Z",
  "retrieved_utc_first": "2026-10-09T12:03:22Z",
  "dataset_last_refresh_utc": "2026-09-09T16:23:10Z",
  "accrual_periodicity": "R/P1M",
  "record_count_all_years": 2725989,
  "next_refresh_planned": "2026-11-09",
  "fema_notice": "This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).",
  "fema_dataset_statement": "This dataset is not intended to be an official federal report, and should not be considered an official federal report."
 },
 "method": {
  "window": "2015-2024",
  "year_field": "yearOfLoss",
  "geography": "national (all states and territories)",
  "paid_filter": "amountPaidOnBuildingClaim > 0",
  "depth_field": "interiorWaterDepth",
  "depth_unit": "inches",
  "depth_rule": "interiorWaterDepth from 1 to 240 inches; waterDepth ignored (mostly recorded in feet, no row-by-row conversion is defensible)",
  "ratio": "buildingDamageAmount / buildingPropertyValue, both > 0 (actual cash value of the damage over actual cash value of the building)",
  "damage_basis": "actual cash value (FEMA: \"The actual cash value amount of damage\"), not replacement cost and not a repair price",
  "median_damage_usd": "median buildingDamageAmount of the same rows, nominal dollars",
  "segments": {
   "single_family_one_floor_no_basement": {
    "label": "Single-family home, one floor, no basement reported",
    "rule": "occupancyType 1 or 11, numberOfFloorsInTheInsuredBuilding 1, basementEnclosureCrawlspaceType 0 or not reported"
   },
   "single_family_one_floor_slab_not_elevated": {
    "label": "Single-family home, one floor, slab, not elevated",
    "rule": "occupancyType 1 or 11, numberOfFloorsInTheInsuredBuilding 1, foundationType \"1\" (slab), elevatedBuildingIndicator false"
   },
   "single_family_one_floor_not_elevated": {
    "label": "Single-family home, one floor, not elevated",
    "rule": "occupancyType 1 or 11, numberOfFloorsInTheInsuredBuilding 1, elevatedBuildingIndicator false"
   }
  },
  "variant": "excl_harvey_ian: floodEvent not \"Hurricane Harvey\" nor \"Hurricane Ian\"",
  "quantiles": "Hyndman-Fan type 7 (linear interpolation)",
  "min_n": 100,
  "below_min_n": "statistics left empty",
  "rounding": "ROUND_HALF_UP; ratios to 3 decimals, dollars to the dollar",
  "heaping_1_inch": {
   "n_depth_1_in": 23494,
   "n_depth_gt_0": 208327,
   "share": 0.113
  }
 },
 "paid_over_damage": {
  "definition": "amountPaidOnBuildingClaim / buildingDamageAmount, paid claims with buildingDamageAmount > 0",
  "2020-2024": {
   "n": 200003,
   "q1": 0.845,
   "median": 0.955,
   "q3": 0.998,
   "share_above_1": 0.245
  },
  "2015-2024": {
   "n": 461335,
   "q1": 0.849,
   "median": 0.961,
   "q3": 1.017,
   "share_above_1": 0.278
  }
 },
 "columns": [
  "segment",
  "segment_label",
  "depth_band_in",
  "depth_min_in",
  "depth_max_in",
  "n",
  "median_damage_ratio",
  "median_damage_usd",
  "n_excl_harvey_ian",
  "median_damage_ratio_excl_harvey_ian",
  "median_damage_usd_excl_harvey_ian"
 ],
 "records": [
  {
   "segment": "single_family_one_floor_no_basement",
   "segment_label": "Single-family home, one floor, no basement reported",
   "depth_band_in": "1-6",
   "depth_min_in": 1,
   "depth_max_in": 6,
   "n": 44799,
   "median_damage_ratio": 0.247,
   "median_damage_usd": 38195,
   "n_excl_harvey_ian": 29951,
   "median_damage_ratio_excl_harvey_ian": 0.215,
   "median_damage_usd_excl_harvey_ian": 32827
  },
  {
   "segment": "single_family_one_floor_no_basement",
   "segment_label": "Single-family home, one floor, no basement reported",
   "depth_band_in": "7-12",
   "depth_min_in": 7,
   "depth_max_in": 12,
   "n": 20774,
   "median_damage_ratio": 0.405,
   "median_damage_usd": 69359,
   "n_excl_harvey_ian": 12876,
   "median_damage_ratio_excl_harvey_ian": 0.379,
   "median_damage_usd_excl_harvey_ian": 63771
  },
  {
   "segment": "single_family_one_floor_no_basement",
   "segment_label": "Single-family home, one floor, no basement reported",
   "depth_band_in": "13-24",
   "depth_min_in": 13,
   "depth_max_in": 24,
   "n": 18920,
   "median_damage_ratio": 0.457,
   "median_damage_usd": 82788,
   "n_excl_harvey_ian": 11517,
   "median_damage_ratio_excl_harvey_ian": 0.436,
   "median_damage_usd_excl_harvey_ian": 77861
  },
  {
   "segment": "single_family_one_floor_no_basement",
   "segment_label": "Single-family home, one floor, no basement reported",
   "depth_band_in": "25-36",
   "depth_min_in": 25,
   "depth_max_in": 36,
   "n": 8366,
   "median_damage_ratio": 0.492,
   "median_damage_usd": 94631,
   "n_excl_harvey_ian": 5299,
   "median_damage_ratio_excl_harvey_ian": 0.469,
   "median_damage_usd_excl_harvey_ian": 85766
  },
  {
   "segment": "single_family_one_floor_no_basement",
   "segment_label": "Single-family home, one floor, no basement reported",
   "depth_band_in": "37-48",
   "depth_min_in": 37,
   "depth_max_in": 48,
   "n": 4506,
   "median_damage_ratio": 0.535,
   "median_damage_usd": 103248,
   "n_excl_harvey_ian": 2871,
   "median_damage_ratio_excl_harvey_ian": 0.496,
   "median_damage_usd_excl_harvey_ian": 88375
  },
  {
   "segment": "single_family_one_floor_no_basement",
   "segment_label": "Single-family home, one floor, no basement reported",
   "depth_band_in": "49-72",
   "depth_min_in": 49,
   "depth_max_in": 72,
   "n": 3231,
   "median_damage_ratio": 0.629,
   "median_damage_usd": 115366,
   "n_excl_harvey_ian": 1624,
   "median_damage_ratio_excl_harvey_ian": 0.548,
   "median_damage_usd_excl_harvey_ian": 85072
  },
  {
   "segment": "single_family_one_floor_no_basement",
   "segment_label": "Single-family home, one floor, no basement reported",
   "depth_band_in": "73-240",
   "depth_min_in": 73,
   "depth_max_in": 240,
   "n": 1550,
   "median_damage_ratio": 0.688,
   "median_damage_usd": 120613,
   "n_excl_harvey_ian": 720,
   "median_damage_ratio_excl_harvey_ian": 0.634,
   "median_damage_usd_excl_harvey_ian": 76644
  },
  {
   "segment": "single_family_one_floor_slab_not_elevated",
   "segment_label": "Single-family home, one floor, slab, not elevated",
   "depth_band_in": "1-6",
   "depth_min_in": 1,
   "depth_max_in": 6,
   "n": 27056,
   "median_damage_ratio": 0.27,
   "median_damage_usd": 44760,
   "n_excl_harvey_ian": 17636,
   "median_damage_ratio_excl_harvey_ian": 0.243,
   "median_damage_usd_excl_harvey_ian": 39414
  },
  {
   "segment": "single_family_one_floor_slab_not_elevated",
   "segment_label": "Single-family home, one floor, slab, not elevated",
   "depth_band_in": "7-12",
   "depth_min_in": 7,
   "depth_max_in": 12,
   "n": 12647,
   "median_damage_ratio": 0.418,
   "median_damage_usd": 77717,
   "n_excl_harvey_ian": 7938,
   "median_damage_ratio_excl_harvey_ian": 0.405,
   "median_damage_usd_excl_harvey_ian": 75630
  },
  {
   "segment": "single_family_one_floor_slab_not_elevated",
   "segment_label": "Single-family home, one floor, slab, not elevated",
   "depth_band_in": "13-24",
   "depth_min_in": 13,
   "depth_max_in": 24,
   "n": 10882,
   "median_damage_ratio": 0.469,
   "median_damage_usd": 93579,
   "n_excl_harvey_ian": 6829,
   "median_damage_ratio_excl_harvey_ian": 0.463,
   "median_damage_usd_excl_harvey_ian": 95794
  },
  {
   "segment": "single_family_one_floor_slab_not_elevated",
   "segment_label": "Single-family home, one floor, slab, not elevated",
   "depth_band_in": "25-36",
   "depth_min_in": 25,
   "depth_max_in": 36,
   "n": 4638,
   "median_damage_ratio": 0.505,
   "median_damage_usd": 105696,
   "n_excl_harvey_ian": 3201,
   "median_damage_ratio_excl_harvey_ian": 0.497,
   "median_damage_usd_excl_harvey_ian": 102722
  },
  {
   "segment": "single_family_one_floor_slab_not_elevated",
   "segment_label": "Single-family home, one floor, slab, not elevated",
   "depth_band_in": "37-48",
   "depth_min_in": 37,
   "depth_max_in": 48,
   "n": 2475,
   "median_damage_ratio": 0.545,
   "median_damage_usd": 110570,
   "n_excl_harvey_ian": 1729,
   "median_damage_ratio_excl_harvey_ian": 0.528,
   "median_damage_usd_excl_harvey_ian": 103428
  },
  {
   "segment": "single_family_one_floor_slab_not_elevated",
   "segment_label": "Single-family home, one floor, slab, not elevated",
   "depth_band_in": "49-72",
   "depth_min_in": 49,
   "depth_max_in": 72,
   "n": 1262,
   "median_damage_ratio": 0.644,
   "median_damage_usd": 132892,
   "n_excl_harvey_ian": 636,
   "median_damage_ratio_excl_harvey_ian": 0.575,
   "median_damage_usd_excl_harvey_ian": 103094
  },
  {
   "segment": "single_family_one_floor_slab_not_elevated",
   "segment_label": "Single-family home, one floor, slab, not elevated",
   "depth_band_in": "73-240",
   "depth_min_in": 73,
   "depth_max_in": 240,
   "n": 408,
   "median_damage_ratio": 0.726,
   "median_damage_usd": 148269,
   "n_excl_harvey_ian": 137,
   "median_damage_ratio_excl_harvey_ian": 0.668,
   "median_damage_usd_excl_harvey_ian": 87074
  },
  {
   "segment": "single_family_one_floor_not_elevated",
   "segment_label": "Single-family home, one floor, not elevated",
   "depth_band_in": "1-6",
   "depth_min_in": 1,
   "depth_max_in": 6,
   "n": 41440,
   "median_damage_ratio": 0.254,
   "median_damage_usd": 39911,
   "n_excl_harvey_ian": 27292,
   "median_damage_ratio_excl_harvey_ian": 0.222,
   "median_damage_usd_excl_harvey_ian": 34402
  },
  {
   "segment": "single_family_one_floor_not_elevated",
   "segment_label": "Single-family home, one floor, not elevated",
   "depth_band_in": "7-12",
   "depth_min_in": 7,
   "depth_max_in": 12,
   "n": 19198,
   "median_damage_ratio": 0.41,
   "median_damage_usd": 71433,
   "n_excl_harvey_ian": 11671,
   "median_damage_ratio_excl_harvey_ian": 0.385,
   "median_damage_usd_excl_harvey_ian": 66459
  },
  {
   "segment": "single_family_one_floor_not_elevated",
   "segment_label": "Single-family home, one floor, not elevated",
   "depth_band_in": "13-24",
   "depth_min_in": 13,
   "depth_max_in": 24,
   "n": 16950,
   "median_damage_ratio": 0.466,
   "median_damage_usd": 87054,
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   "median_damage_usd_excl_harvey_ian": 84066
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  {
   "segment": "single_family_one_floor_not_elevated",
   "segment_label": "Single-family home, one floor, not elevated",
   "depth_band_in": "25-36",
   "depth_min_in": 25,
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   "segment": "single_family_one_floor_not_elevated",
   "segment_label": "Single-family home, one floor, not elevated",
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  {
   "segment": "single_family_one_floor_not_elevated",
   "segment_label": "Single-family home, one floor, not elevated",
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   "depth_min_in": 49,
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  {
   "segment": "single_family_one_floor_not_elevated",
   "segment_label": "Single-family home, one floor, not elevated",
   "depth_band_in": "73-240",
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   "n": 1165,
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   "median_damage_usd_excl_harvey_ian": 88583
  }
 ]
}