{
 "title": "NFIP paid building claims by state, 2020-2024",
 "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",
  "terms": "https://www.fema.gov/about/openfema/terms-conditions",
  "endpoint": "https://www.fema.gov/api/open/v3/NfipClaims",
  "version": "v3",
  "retrieved_utc": "2026-10-03T09:21:23Z",
  "as_of_date": "2026-09-08"
 },
 "method": {
  "window": "2020-2024",
  "year_field": "yearOfLoss",
  "amount_field": "amountPaidOnBuildingClaim",
  "paid_filter": "amountPaidOnBuildingClaim > 0",
  "geography": "50 states + DC",
  "quantiles": "Hyndman-Fan type 7 (linear interpolation)",
  "min_n_paid": 100,
  "top_event": "named floodEvent with the most paid claims in the state (null if none; share 0)",
  "median_excl_top_event": "median of paid claims not in top_event (claims without floodEvent kept); null if fewer than 100 remain",
  "event_dependent": "abs(median_excl_top_event - median) / median > 0.25",
  "cpi": {
   "series_id": "CUUR0000SA0",
   "base_year": 2024,
   "applied_to": "yearOfLoss",
   "file": "data/cpi_u_annual.csv"
  }
 },
 "columns": [
  "state",
  "window",
  "as_of_date",
  "retrieved_utc",
  "n_claims",
  "n_paid",
  "q1",
  "median",
  "q3",
  "total_paid",
  "median_2024usd",
  "top_event",
  "top_event_share",
  "median_excl_top_event",
  "event_dependent",
  "status"
 ],
 "records": [
  {
   "state": "AK",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 116,
   "n_paid": 92,
   "q1": null,
   "median": null,
   "q3": null,
   "total_paid": null,
   "median_2024usd": null,
   "top_event": null,
   "top_event_share": null,
   "median_excl_top_event": null,
   "event_dependent": null,
   "status": "insufficient"
  },
  {
   "state": "AL",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 4676,
   "n_paid": 3530,
   "q1": 4444.95,
   "median": 14259.55,
   "q3": 50695.9,
   "total_paid": 134336965.51,
   "median_2024usd": 16960.62,
   "top_event": "Hurricane Sally",
   "top_event_share": 0.7082,
   "median_excl_top_event": 16279.57,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "AR",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 540,
   "n_paid": 408,
   "q1": 10826.41,
   "median": 27435.08,
   "q3": 56105.74,
   "total_paid": 17148391.47,
   "median_2024usd": 29655.41,
   "top_event": "Hurricane Beryl",
   "top_event_share": 0.0319,
   "median_excl_top_event": 26534.22,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "AZ",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 362,
   "n_paid": 216,
   "q1": 5594.72,
   "median": 17079.3,
   "q3": 44920.04,
   "total_paid": 7158022.06,
   "median_2024usd": 18711.43,
   "top_event": "Arizona Burn Scar Flash Flooding",
   "top_event_share": 0.0046,
   "median_excl_top_event": 16948.82,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "CA",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 3298,
   "n_paid": 2077,
   "q1": 8883.85,
   "median": 25630.25,
   "q3": 70956.4,
   "total_paid": 112610416.17,
   "median_2024usd": 27171.69,
   "top_event": "California Atmospheric River",
   "top_event_share": 0.6375,
   "median_excl_top_event": 25016.03,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "CO",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 262,
   "n_paid": 118,
   "q1": 3355.38,
   "median": 6559.52,
   "q3": 15512.19,
   "total_paid": 2265675.9,
   "median_2024usd": 6848.68,
   "top_event": "Colorado Burn Scar Flash Flooding",
   "top_event_share": 0.0169,
   "median_excl_top_event": 6389.24,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "CT",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1440,
   "n_paid": 1077,
   "q1": 6371.42,
   "median": 14655.49,
   "q3": 32356.89,
   "total_paid": 36519398.29,
   "median_2024usd": 16575.83,
   "top_event": "Hurricane Ida",
   "top_event_share": 0.5469,
   "median_excl_top_event": 13424.52,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "DC",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 111,
   "n_paid": 65,
   "q1": null,
   "median": null,
   "q3": null,
   "total_paid": null,
   "median_2024usd": null,
   "top_event": null,
   "top_event_share": null,
   "median_excl_top_event": null,
   "event_dependent": null,
   "status": "insufficient"
  },
  {
   "state": "DE",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 314,
   "n_paid": 233,
   "q1": 2552.27,
   "median": 6286.76,
   "q3": 17573.26,
   "total_paid": 10498401.97,
   "median_2024usd": 6843.06,
   "top_event": "Hurricane Ida",
   "top_event_share": 0.3433,
   "median_excl_top_event": 5637.04,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "FL",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 151995,
   "n_paid": 120351,
   "q1": 17646.56,
   "median": 71205.0,
   "q3": 129121.28,
   "total_paid": 12238512972.95,
   "median_2024usd": 73569.33,
   "top_event": "Hurricane Helene",
   "top_event_share": 0.3961,
   "median_excl_top_event": 53187.1,
   "event_dependent": true,
   "status": "ok"
  },
  {
   "state": "GA",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 2884,
   "n_paid": 2063,
   "q1": 6391.68,
   "median": 16884.76,
   "q3": 41288.74,
   "total_paid": 76414611.34,
   "median_2024usd": 18494.36,
   "top_event": "Hurricane Helene",
   "top_event_share": 0.2462,
   "median_excl_top_event": 14612.52,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "HI",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 416,
   "n_paid": 267,
   "q1": 8436.19,
   "median": 25188.42,
   "q3": 71819.38,
   "total_paid": 17857926.3,
   "median_2024usd": 28063.82,
   "top_event": null,
   "top_event_share": 0.0,
   "median_excl_top_event": 25188.42,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "IA",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 400,
   "n_paid": 340,
   "q1": 7990.98,
   "median": 18218.96,
   "q3": 50000.0,
   "total_paid": 14889951.71,
   "median_2024usd": 18732.0,
   "top_event": "June Midwest Flooding",
   "top_event_share": 0.4265,
   "median_excl_top_event": 11794.52,
   "event_dependent": true,
   "status": "ok"
  },
  {
   "state": "ID",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 51,
   "n_paid": 30,
   "q1": null,
   "median": null,
   "q3": null,
   "total_paid": null,
   "median_2024usd": null,
   "top_event": null,
   "top_event_share": null,
   "median_excl_top_event": null,
   "event_dependent": null,
   "status": "insufficient"
  },
  {
   "state": "IL",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1443,
   "n_paid": 1023,
   "q1": 3534.43,
   "median": 8521.91,
   "q3": 19542.29,
   "total_paid": 20109593.85,
   "median_2024usd": 9593.77,
   "top_event": "Late July Flooding",
   "top_event_share": 0.0645,
   "median_excl_top_event": 8397.04,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "IN",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 268,
   "n_paid": 184,
   "q1": 4282.59,
   "median": 11617.04,
   "q3": 26900.6,
   "total_paid": 5261251.53,
   "median_2024usd": 13223.83,
   "top_event": "Late July Flooding",
   "top_event_share": 0.0054,
   "median_excl_top_event": 11676.44,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "KS",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 130,
   "n_paid": 94,
   "q1": null,
   "median": null,
   "q3": null,
   "total_paid": null,
   "median_2024usd": null,
   "top_event": null,
   "top_event_share": null,
   "median_excl_top_event": null,
   "event_dependent": null,
   "status": "insufficient"
  },
  {
   "state": "KY",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1724,
   "n_paid": 1472,
   "q1": 7347.05,
   "median": 17532.5,
   "q3": 44089.7,
   "total_paid": 51743491.3,
   "median_2024usd": 19523.94,
   "top_event": "Late July Flooding",
   "top_event_share": 0.2792,
   "median_excl_top_event": 13787.03,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "LA",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 28012,
   "n_paid": 20010,
   "q1": 9391.86,
   "median": 36261.62,
   "q3": 77234.59,
   "total_paid": 1033946214.66,
   "median_2024usd": 41558.1,
   "top_event": "Hurricane Ida",
   "top_event_share": 0.4975,
   "median_excl_top_event": 31981.93,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "MA",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1078,
   "n_paid": 722,
   "q1": 4730.13,
   "median": 11690.82,
   "q3": 28734.16,
   "total_paid": 21247791.42,
   "median_2024usd": 12399.56,
   "top_event": "December Nor'easter",
   "top_event_share": 0.0831,
   "median_excl_top_event": 11631.94,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "MD",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1644,
   "n_paid": 1171,
   "q1": 4338.83,
   "median": 10852.86,
   "q3": 25098.7,
   "total_paid": 25749133.94,
   "median_2024usd": 12170.98,
   "top_event": "Hurricane Isaias",
   "top_event_share": 0.0734,
   "median_excl_top_event": 10832.53,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "ME",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1112,
   "n_paid": 854,
   "q1": 8643.0,
   "median": 24520.49,
   "q3": 54325.19,
   "total_paid": 37620574.88,
   "median_2024usd": 24930.97,
   "top_event": "December Nor'easter",
   "top_event_share": 0.1674,
   "median_excl_top_event": 23223.11,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "MI",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1596,
   "n_paid": 1196,
   "q1": 5434.19,
   "median": 14121.67,
   "q3": 44022.44,
   "total_paid": 40223324.1,
   "median_2024usd": 15870.62,
   "top_event": null,
   "top_event_share": 0.0,
   "median_excl_top_event": 14121.67,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "MN",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 347,
   "n_paid": 249,
   "q1": 6293.34,
   "median": 14188.21,
   "q3": 36140.59,
   "total_paid": 7896856.79,
   "median_2024usd": 14970.44,
   "top_event": "June Midwest Flooding",
   "top_event_share": 0.4137,
   "median_excl_top_event": 11445.54,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "MO",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 1700,
   "n_paid": 1355,
   "q1": 7430.14,
   "median": 18860.63,
   "q3": 52370.26,
   "total_paid": 67349354.79,
   "median_2024usd": 20447.37,
   "top_event": "Late July Flooding",
   "top_event_share": 0.4229,
   "median_excl_top_event": 14647.68,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "MS",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 2576,
   "n_paid": 1992,
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   "median": 9704.19,
   "q3": 31868.63,
   "total_paid": 50339786.33,
   "median_2024usd": 11388.19,
   "top_event": "Hurricane Zeta",
   "top_event_share": 0.3203,
   "median_excl_top_event": 15248.82,
   "event_dependent": true,
   "status": "ok"
  },
  {
   "state": "MT",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 145,
   "n_paid": 107,
   "q1": 9196.06,
   "median": 26845.32,
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   "total_paid": 6158199.75,
   "median_2024usd": 29886.68,
   "top_event": "Yellowstone Flooding",
   "top_event_share": 0.8318,
   "median_excl_top_event": null,
   "event_dependent": null,
   "status": "ok"
  },
  {
   "state": "NC",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 6340,
   "n_paid": 4971,
   "q1": 5636.57,
   "median": 17281.94,
   "q3": 59886.67,
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   "median_2024usd": 18623.29,
   "top_event": "Hurricane Helene",
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   "median_excl_top_event": 10399.6,
   "event_dependent": true,
   "status": "ok"
  },
  {
   "state": "ND",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 86,
   "n_paid": 57,
   "q1": null,
   "median": null,
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   "total_paid": null,
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  },
  {
   "state": "NE",
   "window": "2020-2024",
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   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 118,
   "n_paid": 67,
   "q1": null,
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   "status": "insufficient"
  },
  {
   "state": "NH",
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   "median": 19043.17,
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   "top_event": "December Nor'easter",
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   "median_excl_top_event": 20152.41,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "NJ",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
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   "total_paid": 345059127.52,
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   "top_event": "Hurricane Ida",
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   "median_excl_top_event": 10524.42,
   "event_dependent": true,
   "status": "ok"
  },
  {
   "state": "NM",
   "window": "2020-2024",
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   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 396,
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   "median_excl_top_event": 28189.41,
   "event_dependent": false,
   "status": "ok"
  },
  {
   "state": "NV",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
   "retrieved_utc": "2026-10-03T09:21:23Z",
   "n_claims": 103,
   "n_paid": 54,
   "q1": null,
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   "median_excl_top_event": null,
   "event_dependent": null,
   "status": "insufficient"
  },
  {
   "state": "NY",
   "window": "2020-2024",
   "as_of_date": "2026-09-08",
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