Flood Damage Claims in US
US Cities and States With The Highest Flood Damage

Buying flood insurance may feel like you are flushing money down the drain. However, if you live in one of the cities below, know that FEMA has paid out billions in flood damage claims over the last 50 years to homeowners in your neighborhood.

Check your flood risk before evaluating flood insurance options in your area. High-risk flood zones represent 80% of all flood insurance claims. If you are buying a house in one of the cities below, don't be surprised if flood insurance is a requirement from your lender.

Total Dollars Paid In Flood Building Claims by City: 1973 - 2019

Rank City State Sum of Building Flood Claims 
1 New Orleans LA $5,838,750,802
2 Houston TX $4,487,801,871
3 Metairie LA $1,440,547,833
4 Slidell LA $1,125,370,767
5 Chalmette LA $868,965,373
6 Baton Rouge LA $792,632,467
7 Galveston TX $645,492,205
8 Long Beach NY $514,046,240
9 Kenner LA $465,362,996
10 Denham Springs LA $415,137,083
11 Port Arthur TX $319,566,996
12 Spring TN $314,713,654
13 Miami FL $313,018,570
14 Pensacola FL $308,772,025
15 Kingwood TX $305,025,739
16 Biloxi MS $302,200,818
17 Orange FL $299,347,612
18 Friendswood TX $284,134,842
19 Brooklyn NY $282,156,372
20 Dickinson TX $276,650,181
21 Pass Christian MS $269,895,707
22 Meraux LA $260,749,151
23 Massapequa NY $255,063,046
24 Arabi LA $250,247,744
25 Toms River NJ $248,801,822
26 Freeport NY $243,215,623
27 Gulfport MS $236,518,551
28 Beaumont TX $231,945,237
29 Staten Island NY $225,002,159
30 Crystal Beach TX $219,063,856
31 Bridge City TX $218,349,228
32 Katy TX $215,620,100
33 Oceanside CA $211,046,003
34 Bellaire TX $208,835,769
35 Key West FL $205,550,503
36 Gulf Breeze FL $202,341,595
37 Manahawkin NJ $192,269,890
38 Cypress TX $189,661,124
39 Lavallette NJ $187,723,751
40 New Bern NC $181,554,776
41 Ocean Springs MS $179,146,950
42 Orange Beach AL $177,054,444
43 Marrero LA $174,745,856
44 Ocean City MD $172,761,307
45 Violet LA $171,445,031
46 Jacksonville FL $171,259,639
47 Gulf Shores AL $170,048,675
48 Humble TX $168,093,614
49 Pascagoula MS $165,490,823
50 Baytown TX $164,856,779

Source: FEMA

As you can tell from the above data, LA seems to be winning. However, there are many other states where flood claims are quite common. See below for a state-based ranking of total flood insurance claims paid out over the last 50 years.

Total Dollars Paid In Flood Building Claims by State: 1973 - 2019

Rank State Sum of Building Flood Claims
1 LA $15,468,799,880
2 TX $12,453,567,009
3 NJ $5,009,871,311
4 NY $4,712,679,781
5 FL $4,381,014,600
6 MS $2,337,098,492
7 NC $1,601,214,688
8 PA $963,664,757
9 AL $834,764,577
10 SC $799,913,251
11 MO $651,021,071
12 VA $610,330,780
13 CA $521,504,985
14 IL $472,021,192
15 CT $441,810,104
16 MA $358,572,235
17 GA $356,078,184
18 TN $302,247,868
19 KY $283,132,163
20 KY $270,858,225
21-50 ~ $3,101,952,665
Grand Total ALL $55,932,117,818

Source: FEMA

Louisiana, Texas, and New Jersey account for a full 58.9% of all building flood claims paid out by FEMA over the last 50 years.

To get a more granular view of the flood insurance claims data by state and by year, check our article on the total number of NFIP flood claims by state by year.

When evaluating flood insurance quotes, it's best to compare both the public and private market options.

Check Flood Insurance Rates

At your service,
Young Alfred