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The average flood insurance payout by state

The national average is $33,599 per claim since 1978. Among states with 500 or more claims, Mississippi has the highest, at $49,759, and Utah the lowest, at $6,336. These are past payouts as recorded, not an estimate of any future claim.

Every state

Claims with no payment count toward the average.

Average paid per claim, top 12 states, dollars

Average paid per claim, top 12 states, dollars Mississipp: 49,759 dollars 49,759 Texas: 44,383 dollars 44,383 Louisiana: 43,597 dollars 43,597 Florida: 43,284 dollars 43,284 New York: 32,888 dollars 32,888 New Jersey: 32,231 dollars 32,231 Vermont: 31,874 dollars 31,874 Tennessee: 27,264 dollars 27,264 Alabama: 27,018 dollars 27,018 Hawaii: 27,018 dollars 27,018 Nevada: 24,362 dollars 24,362 Iowa: 24,296 dollars 24,296 MississippTexasLouisianaFloridaNew YorkNew JerseyVermontTennesseeAlabamaHawaiiNevadaIowa
Average paid per flood claim by state
Mississippi49,75962,876$3.1 billion
Texas44,383392,075$17 billion
Louisiana43,597481,242$21 billion
Florida43,284447,174$19 billion
New York32,888174,558$5.7 billion
New Jersey32,231201,761$6.5 billion
Vermont31,8743,688$118 million
Tennessee27,26417,624$480 million
Alabama27,01844,088$1.2 billion
Hawaii27,0186,183$167 million
Nevada24,3621,944$47.4 million
Iowa24,29614,688$357 million
Washington23,02915,931$367 million
New Mexico21,6851,929$41.8 million
Arkansas21,64410,065$218 million
Georgia21,29524,418$520 million
North Carolina21,141108,748$2.3 billion
South Carolina20,98949,301$1.0 billion
Alaska20,794779$16.2 million
Oklahoma20,06812,875$258 million
Rhode Island19,9816,960$139 million
North Dakota19,74213,067$258 million
Missouri19,60949,098$963 million
Kentucky19,04327,378$521 million
Pennsylvania18,92275,803$1.4 billion
Connecticut18,83829,315$552 million
Oregon18,2965,987$110 million
Nebraska16,8345,716$96.2 million
Maryland16,34720,800$340 million
Colorado16,2865,567$90.7 million
Indiana15,81019,554$309 million
South Dakota15,7093,965$62.3 million
Maine15,5315,537$86.0 million
Virginia15,25750,040$763 million
New Hampshire15,2544,395$67.0 million
Wisconsin15,1219,395$142 million
Kansas14,8997,806$116 million
Delaware14,5386,258$91.0 million
California14,23353,270$758 million
West Virginia13,86227,290$378 million
Ohio13,16428,209$371 million
Minnesota12,64312,290$155 million
Massachusetts12,51535,063$439 million
Arizona11,7655,263$61.9 million
Illinois11,41651,163$584 million
District of Columbia11,072501$5.5 million
Michigan10,11114,792$150 million
Idaho9,4721,086$10.3 million
Montana8,7812,162$19.0 million
Wyoming6,753551$3.7 million
Utah6,3361,147$7.3 million

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).