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Flood Insurance by State (2026)

Flood insurance is not included in standard homeowners policies — it's a separate purchase, and in FEMA-designated high-risk zones, your lender requires it. But nearly 1 in 3 NFIP claims nationally come from properties outside mapped flood zones. FEMA's Risk Rating 2.0 (active since 2021) now prices policies to individual property risk rather than zone designations — meaning premiums are changing regardless of your zone. This guide covers the 20 states with the highest NFIP policy counts and active flood loss history.

Connecticut→Massachusetts→New Jersey→New York→Pennsylvania→Alabama→Florida→Georgia→Kentucky→Louisiana→Maryland→Mississippi→North Carolina→South Carolina→Tennessee→Texas→Virginia→Illinois→Michigan→Ohio→

Policy and premium data from FEMA NFIP State Profiles (fema.gov/flood-insurance), the NAIC Flood Insurance Report 2024, and ValuePenguin NFIP Policy Study. Premiums under Risk Rating 2.0 are property-specific and vary from the state averages shown.