NFIP Paid Building Claims
by State, 2020-2024
- Amounts paid by NFIP on building claims, not repair cost. In our reading of FEMA’s Standard Flood Insurance Policy, Dwelling Form, a payment covers the part of the loss above the deductible, within the limit of coverage purchased.
- Window: claims with a year of loss 2020 to 2024, 50 states and the District of Columbia, paid claims only (building amount above $0).
- Per state: n (paid claims), median, Q1 and Q3 of the building amount paid, in nominal dollars.
- Median in 2024 dollars: CPI-U applied by year of loss, an approximation (the data give no payment date). A monetary adjustment, not today’s cost of repair.
- Event-dependent: FL, IA, MS, NC, NJ, VT. Leaving out the state’s top named flood event moves its median by more than 25%.
- Insufficient data (n < 100): AK, DC, ID, KS, ND, NE, NV, SD, UT, WY. No statistic is shown for these 10.
Source: FEMA, OpenFEMA dataset NFIP Redacted Claims - v3, asOfDate 2026-09-08, retrieved 2026-10-03. Not an official federal report.
NFIP paid building claims by state, 2020-2024
Per-state count, median, first and third quartiles of the building amount paid by the National Flood Insurance Program (NFIP) on claims with a year of loss in 2020-2024, computed from FEMA’s OpenFEMA dataset NFIP Redacted Claims - v3. Amounts paid by NFIP, not repair cost.
| State | n paid | Q1 | Median | Q3 | Median (2024 $) | Top event (share of paid claims) | Median excl. top event | Event-dependent |
|---|---|---|---|---|---|---|---|---|
| AK | 92 | insufficient data (n < 100) | ||||||
| AL | 3,530 | $4,445 | $14,260 | $50,696 | $16,961 | Hurricane Sally (71%) | $16,280 | no |
| AR | 408 | $10,826 | $27,435 | $56,106 | $29,655 | Hurricane Beryl (3%) | $26,534 | no |
| AZ | 216 | $5,595 | $17,079 | $44,920 | $18,711 | Arizona Burn Scar Flash Flooding (0%) | $16,949 | no |
| CA | 2,077 | $8,884 | $25,630 | $70,956 | $27,172 | California Atmospheric River (64%) | $25,016 | no |
| CO | 118 | $3,355 | $6,560 | $15,512 | $6,849 | Colorado Burn Scar Flash Flooding (2%) | $6,389 | no |
| CT | 1,077 | $6,371 | $14,655 | $32,357 | $16,576 | Hurricane Ida (55%) | $13,425 | no |
| DC | 65 | insufficient data (n < 100) | ||||||
| DE | 233 | $2,552 | $6,287 | $17,573 | $6,843 | Hurricane Ida (34%) | $5,637 | no |
| FL | 120,351 | $17,647 | $71,205 | $129,121 | $73,569 | Hurricane Helene (40%) | $53,187 | yes |
| GA | 2,063 | $6,392 | $16,885 | $41,289 | $18,494 | Hurricane Helene (25%) | $14,613 | no |
| HI | 267 | $8,436 | $25,188 | $71,819 | $28,064 | no named event | $25,188 | no |
| IA | 340 | $7,991 | $18,219 | $50,000 | $18,732 | June Midwest Flooding (43%) | $11,795 | yes |
| ID | 30 | insufficient data (n < 100) | ||||||
| IL | 1,023 | $3,534 | $8,522 | $19,542 | $9,594 | Late July Flooding (6%) | $8,397 | no |
| IN | 184 | $4,283 | $11,617 | $26,901 | $13,224 | Late July Flooding (1%) | $11,676 | no |
| KS | 94 | insufficient data (n < 100) | ||||||
| KY | 1,472 | $7,347 | $17,533 | $44,090 | $19,524 | Late July Flooding (28%) | $13,787 | no |
| LA | 20,010 | $9,392 | $36,262 | $77,235 | $41,558 | Hurricane Ida (50%) | $31,982 | no |
| MA | 722 | $4,730 | $11,691 | $28,734 | $12,400 | December Nor'easter (8%) | $11,632 | no |
| MD | 1,171 | $4,339 | $10,853 | $25,099 | $12,171 | Hurricane Isaias (7%) | $10,833 | no |
| ME | 854 | $8,643 | $24,520 | $54,325 | $24,931 | December Nor'easter (17%) | $23,223 | no |
| MI | 1,196 | $5,434 | $14,122 | $44,022 | $15,871 | no named event | $14,122 | no |
| MN | 249 | $6,293 | $14,188 | $36,141 | $14,970 | June Midwest Flooding (41%) | $11,446 | no |
| MO | 1,355 | $7,430 | $18,861 | $52,370 | $20,447 | Late July Flooding (42%) | $14,648 | no |
| MS | 1,992 | $3,286 | $9,704 | $31,869 | $11,388 | Hurricane Zeta (32%) | $15,249 | yes |
| MT | 107 | $9,196 | $26,845 | $92,206 | $29,887 | Yellowstone Flooding (83%) | — | — |
| NC | 4,971 | $5,637 | $17,282 | $59,887 | $18,623 | Hurricane Helene (34%) | $10,400 | yes |
| ND | 57 | insufficient data (n < 100) | ||||||
| NE | 67 | insufficient data (n < 100) | ||||||
| NH | 387 | $8,786 | $19,043 | $43,872 | $19,171 | December Nor'easter (13%) | $20,152 | no |
| NJ | 8,230 | $8,270 | $18,797 | $43,884 | $21,271 | Hurricane Ida (75%) | $10,524 | yes |
| NM | 245 | $10,347 | $28,189 | $91,825 | $31,196 | no named event | $28,189 | no |
| NV | 54 | insufficient data (n < 100) | ||||||
| NY | 6,912 | $7,339 | $16,686 | $37,962 | $18,240 | Hurricane Ida (41%) | $13,775 | no |
| OH | 871 | $4,660 | $10,988 | $27,046 | $12,456 | Tropical Storm Fred (0%) | $10,962 | no |
| OK | 240 | $12,944 | $28,423 | $62,038 | $32,240 | no named event | $28,423 | no |
| OR | 104 | $5,364 | $14,163 | $29,780 | $16,420 | no named event | $14,163 | no |
| PA | 3,717 | $7,401 | $17,580 | $42,017 | $20,121 | Hurricane Ida (42%) | $15,007 | no |
| RI | 298 | $5,491 | $13,874 | $40,739 | $14,304 | December Nor'easter (19%) | $12,676 | no |
| SC | 2,934 | $5,475 | $15,672 | $39,352 | $16,859 | Hurricane Ian (32%) | $14,323 | no |
| SD | 79 | insufficient data (n < 100) | ||||||
| TN | 1,685 | $9,251 | $21,706 | $51,844 | $24,241 | Hurricane Helene (11%) | $20,063 | no |
| TX | 6,483 | $6,432 | $20,271 | $49,361 | $21,939 | Hurricane Beryl (23%) | $21,016 | no |
| UT | 64 | insufficient data (n < 100) | ||||||
| VA | 914 | $3,982 | $9,331 | $21,583 | $10,456 | Hurricane Helene (12%) | $8,369 | no |
| VT | 773 | $10,919 | $26,372 | $65,000 | $27,150 | Vermont/New York Flooding (70%) | $15,675 | yes |
| WA | 1,060 | $10,330 | $22,881 | $59,699 | $25,519 | no named event | $22,881 | no |
| WI | 225 | $3,623 | $9,887 | $26,473 | $10,872 | no named event | $9,887 | no |
| WV | 602 | $5,790 | $12,579 | $28,549 | $13,802 | West Virginia Flooding (6%) | $12,443 | no |
| WY | 10 | insufficient data (n < 100) | ||||||
— : fewer than 100 paid claims remain outside the top event (MT), so no median without it is computed and no event dependence is assessed.
How the figures are computed
Records: every NFIP claim with a yearOfLoss from 2020 to 2024. A claim is paid when amountPaidOnBuildingClaim is above $0; the statistics use that amount only, so contents payments are not included. Quartiles are Hyndman-Fan type 7 (linear interpolation), computed on the paid claims of each state. A state with fewer than 100 paid claims gets no statistic.
Top event: the named flood event with the most paid claims in the state. The median without it keeps the claims that carry no event name. A state is marked event-dependent when that median differs from the full median by more than 25%.
2024 dollars: each amount is multiplied by CPI-U(2024) / CPI-U(year of loss), BLS series CUUR0000SA0 (all items, U.S. city average, annual average). The dataset gives no payment date, so the factor follows the year of loss: an approximation. The CPI is not a construction cost index.
What these figures are not
These are amounts paid by NFIP, not repair cost. Uninsured, undeclared or non-covered damage is not in them. They cover only NFIP-insured properties with a paid claim, so they do not represent all homes or all floods. Amounts mix dollars of different years and different disasters, and one event can dominate a state. There is no single-family series and no city, ZIP code or water-depth breakdown. Nothing here predicts the cost, eligibility or claim amount of anyone.
Past NFIP claims from FEMA open data (actual cash value or amounts paid, not repair cost): NFIP flood damage by water depth
The same FEMA figures for AI assistants: RestoreWorth FEMA Data MCP server
Source, notice and license
Dataset: NFIP Redacted Claims - v3, published by Federal Emergency Management Agency (FEMA), OpenFEMA, API version v3. OpenFEMA asOfDate 2026-09-08; retrieved 2026-10-03T09:21:23Z. OpenFEMA terms and conditions. FEMA states about the source dataset that it is not intended to be an official federal report. No FEMA or DHS logo or seal is used.
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).
Only state-level aggregates are published here; no claim record, ZIP code or city figure. The aggregates on this page are licensed under CC BY 4.0, attribution “RestoreWorth Team”.
Download the table: CSV · JSON (same records; the JSON also carries the source metadata).