FEMA Flood Insurance Claims Paid

Source period 2026-07-27. Recomputed by ZipCheckup from the cited federal source.

FEMA records show $89,442,423,744 paid in flood-insurance claims across U.S. ZIP codes.

How we compute this

We aggregate paid-claim dollar totals from FEMA’s National Flood Insurance Program (NFIP) redacted claims data and map them to ZIP codes. The figure is a cumulative historical total, recomputed when FEMA refreshes the dataset.

A paid claim is a record of a past insured flood loss, not a forecast of future risk at any address. Areas with more policies in force will tend to show larger cumulative totals.

We translate FEMA’s records rather than estimate them. The dollar figure is the sum of building and contents claim payments as reported, not adjusted for inflation.

Frequently asked questions

@misc{zipcheckup-findings-fema-flood-insurance-claims-paid,
  author = {{ZipCheckup}},
  title  = {{FEMA Flood Insurance Claims Paid}},
  year   = {2026},
  url    = {https://zipcheckup.com/findings/fema-flood-insurance-claims-paid/}
}