NFIP Flood Insurance Policies by State
National and state-level active NFIP policy counts, average premiums, and coverage breakdowns from the OpenFEMA database.
Last updated: August 2026
How Many Active NFIP Policies Are There?
Policies Written or Renewed
5,291,548
50 states + DC, 13 months
Total Annual Premiums
$5.0B
Risk-rated premium only
Avg. Premium
$951
Policy-weighted national average
5,291,548 NFIP flood insurance policies were written or renewed across the 50 states and DC in the 13-month window from July 1, 2025 through August 16, 2026, carrying $5.0B in annual premiums.
This is not a policies-in-force count. FEMA’s public policy data is transactional, so a policy renewed inside the window is counted twice, and the window runs about 13.5 months against a standard 12-month policy term. FEMA’s own reported policies-in-force figure is lower - roughly 4.5 to 4.6 million in recent Congressional Research Service briefings. These numbers are reliable for comparing states, zones and property types against each other; they overstate how many properties carry coverage today.
This is the risk-rated premium only. It excludes the Federal Policy Fee, HFIAA Surcharge and Reserve Fund Assessment, which apply to some policies and not others, so an actual bill runs higher.
All States NFIP Policy Data
| State | Policies | Avg. Premium | Total Premiums |
|---|---|---|---|
| Florida | 2,040,029 | $913 | $1.9B |
| Texas | 702,872 | $943 | $662.7M |
| Louisiana | 479,209 | $993 | $476.0M |
| New Jersey | 228,444 | $1,072 | $245.0M |
| South Carolina | 225,404 | $745 | $167.9M |
| New York | 194,304 | $1,189 | $231.1M |
| California | 192,930 | $993 | $191.5M |
| North Carolina | 155,516 | $862 | $134.1M |
| Virginia | 106,896 | $732 | $78.3M |
| Georgia | 83,466 | $862 | $72.0M |
| Hawaii | 74,865 | $797 | $59.7M |
| Maryland | 73,709 | $463 | $34.1M |
| Massachusetts | 67,638 | $1,200 | $81.2M |
| Mississippi | 57,263 | $1,176 | $67.3M |
| Alabama | 52,299 | $922 | $48.2M |
| Pennsylvania | 48,465 | $1,496 | $72.5M |
| Connecticut | 36,767 | $1,496 | $55.0M |
| Illinois | 35,151 | $1,014 | $35.6M |
| Washington | 33,365 | $1,007 | $33.6M |
| Delaware | 29,927 | $795 | $23.8M |
| Tennessee | 26,407 | $1,192 | $31.5M |
| Arizona | 26,044 | $834 | $21.7M |
| Oregon | 25,862 | $953 | $24.7M |
| Ohio | 25,748 | $1,072 | $27.6M |
| Michigan | 22,437 | $801 | $18.0M |
| Kentucky | 18,900 | $1,417 | $26.8M |
| Colorado | 18,521 | $943 | $17.5M |
| Indiana | 18,144 | $973 | $17.7M |
| Missouri | 16,815 | $1,417 | $23.8M |
| New Mexico | 15,686 | $1,116 | $17.5M |
| Rhode Island | 14,016 | $1,069 | $15.0M |
| Arkansas | 12,866 | $1,038 | $13.4M |
| Wisconsin | 12,668 | $954 | $12.1M |
| Iowa | 10,448 | $1,276 | $13.3M |
| Nevada | 10,392 | $899 | $9.3M |
| Maine | 10,040 | $1,324 | $13.3M |
| West Virginia | 9,922 | $1,816 | $18.0M |
| Oklahoma | 9,760 | $1,056 | $10.3M |
| Nebraska | 8,570 | $953 | $8.2M |
| New Hampshire | 8,539 | $1,176 | $10.0M |
| Kansas | 7,808 | $1,022 | $8.0M |
| Minnesota | 7,207 | $1,081 | $7.8M |
| North Dakota | 6,411 | $842 | $5.4M |
| Idaho | 5,474 | $974 | $5.3M |
| Utah | 4,888 | $644 | $3.1M |
| Vermont | 4,449 | $1,640 | $7.3M |
| Montana | 4,273 | $910 | $3.9M |
| Alaska | 3,783 | $378 | $1.4M |
| South Dakota | 2,887 | $1,167 | $3.4M |
| District of Columbia | 2,178 | $496 | $1.1M |
| Wyoming | 1,886 | $919 | $1.7M |
Source: OpenFEMA NFIP Policies in Force API. Data sourced August 2026. Counts are policies written or renewed in the 13-month window, not policies in force. Sorted by policy count (highest first).
Which Flood Zone Has the Most Active Policies?
Policy counts and average premiums by FEMA flood zone, nationally. High-risk zones carry both more policies and higher average premiums than low-risk Zone X.
What Property Type Holds the Most Policies?
Active policies by occupancy type. Single-family homes dominate, but non-residential and multi-family properties carry meaningfully higher average premiums per policy.
Top 10 States by Active NFIP Policies
Frequently Asked Questions
Where does this NFIP policy data come from?
All data comes from the OpenFEMA NFIP Policies in Force API, the official public record of active National Flood Insurance Program policies. FludZone extracts and aggregates this data for easier analysis.
How many NFIP flood insurance policies are there?
5,291,548 NFIP flood insurance policies were written or renewed across the 50 states and DC in the 13-month window from July 1, 2025 through August 16, 2026. That is not the same as the number in force at any one moment: FEMA's public policy data is transactional, so a policy renewed inside the window appears twice, and the window runs about 13.5 months against a standard 12-month policy term. FEMA's own reported policies-in-force count is lower - roughly 4.5 to 4.6 million in recent Congressional Research Service briefings. Use this figure to compare states and flood zones against each other, not as a count of active coverage.
What is the average NFIP flood insurance premium?
Nationally, NFIP policies average $951 per year. This is the risk-rated premium only. It excludes the Federal Policy Fee, HFIAA Surcharge and Reserve Fund Assessment, which apply to some policies and not others, so an actual bill runs higher. Your own premium depends on your specific flood zone, elevation relative to the Base Flood Elevation, and property characteristics - see our flood insurance cost guide for a full breakdown.
Which flood zone has the most flood insurance policies?
Zone AE has the most NFIP policies nationally, with 2,520,317 - more than any other zone, since it is the standard high-risk riverine designation covering the largest share of mapped Special Flood Hazard Areas.
What property type holds the most flood insurance policies?
Single Family properties hold the most NFIP policies nationally, at 3,318,596, reflecting that single-family homes make up the large majority of the US housing stock in mapped flood zones.
For historical claims and payout data behind these policy figures, see the NFIP claims data guide.
Explore Flood Zones by State
Check flood zone information for cities across the United States.
Look Up Your Flood Zone
Enter any US address to see its FEMA flood zone, insurance requirements, and estimated local premium.
Disclaimer: This guide is for general informational purposes only and is not a substitute for professional advice. Flood risk, insurance requirements, and property values depend on many factors specific to each property and location. Consult a licensed real estate attorney, insurance agent, or certified floodplain manager for guidance on your specific situation. FludZone results are informational and are not a substitute for an official flood zone determination from a certified provider.