Data reports
97% of American homes have no flood insurance
Flood is excluded from a standard homeowners policy everywhere in the country, not just in Florida. It has to be bought separately, and almost nobody does. Here is the share of homes carrying a flood policy in every state, from FEMA's own count of policies in force.
The national picture
FL: 13.7% of 7,585,072 homes, 1,040,662 policies across 68 counties.
Hover or tap a state for its numbers.
- < 0.5%
- 0.5 to 2%
- 2 to 5%
- 5 to 10%
- 10%+
- Not in this dataset
A geographic map sizes states by land area, which flatters the empty ones. The equal-size view above is the fairer read. Source: FEMA OpenFEMA, NFIP residential penetration rates, as of 2026-08-03. The territories are drawn but carry no value: this dataset covers the 50 states and DC only.
Every state, ranked
The same numbers as the map, sortable, for anyone who would rather read than hover.
| Rank | ||||||
|---|---|---|---|---|---|---|
| 1 | LA | 22% | 359,013 | 1,629,418 | 73.1% | 64 |
| 2 | FL | 13.7% | 1,040,662 | 7,585,072 | 67% | 68 |
| 3 | SC | 6.1% | 121,417 | 1,976,591 | 85% | 47 |
| 4 | TX | 5.8% | 504,816 | 8,773,166 | 47.5% | 255 |
| 5 | NJ | 5% | 121,462 | 2,419,797 | 63.3% | 21 |
| 6 | DE | 4.8% | 17,547 | 366,216 | 58.1% | 3 |
| 7 | HI | 3.9% | 11,829 | 304,141 | 87.9% | 5 |
| 8 | MS | 3.5% | 40,954 | 1,163,888 | 32.8% | 83 |
| 9 | RI | 2.7% | 8,360 | 306,168 | 49% | 5 |
| 10 | VA | 2.7% | 72,514 | 2,733,160 | 99.6% | 133 |
| 11 | NC | 2.6% | 106,561 | 4,056,295 | 53.3% | 101 |
| 12 | NY | 2.5% | 118,001 | 4,700,087 | 75.5% | 63 |
| 13 | CT | 2.1% | 21,039 | 997,618 | 51.1% | 10 |
| 14 | MA | 2% | 36,939 | 1,819,669 | 50.3% | 14 |
| 15 | ND | 1.8% | 4,925 | 276,636 | 28.4% | 53 |
| 16 | MD | 1.7% | 33,232 | 1,925,531 | 73.9% | 24 |
| 17 | GA | 1.6% | 58,579 | 3,659,988 | 43.4% | 160 |
| 18 | NM | 1.4% | 11,342 | 807,285 | 15.9% | 33 |
| 19 | AL | 1.3% | 25,579 | 1,923,527 | 29.4% | 67 |
| 20 | CA | 1.3% | 140,683 | 10,537,796 | 30.5% | 58 |
| 21 | ME | 1.2% | 6,651 | 538,014 | 78.5% | 16 |
| 22 | AK | 1.1% | 2,708 | 242,920 | 49.3% | 31 |
| 23 | DC | 1.1% | 1,443 | 125,848 | — | 1 |
| 24 | NH | 1.1% | 4,490 | 414,294 | 26% | 10 |
| 25 | OR | 1.1% | 16,155 | 1,497,491 | 24.8% | 36 |
| 26 | VT | 1.1% | 2,848 | 257,879 | 37.3% | 14 |
| 27 | WV | 1% | 7,748 | 763,535 | 10.3% | 56 |
| 28 | WA | 0.9% | 23,122 | 2,481,708 | 40.3% | 39 |
| 29 | AR | 0.8% | 8,993 | 1,189,681 | 16.9% | 75 |
| 30 | KY | 0.8% | 14,136 | 1,733,651 | 19.2% | 120 |
| 31 | NV | 0.8% | 7,964 | 1,038,659 | 30.1% | 17 |
| 32 | AZ | 0.7% | 17,476 | 2,647,475 | 21.3% | 15 |
| 33 | NE | 0.7% | 5,587 | 837,251 | 15.3% | 93 |
| 34 | PA | 0.7% | 31,965 | 4,599,973 | 23% | 67 |
| 35 | TN | 0.7% | 18,014 | 2,579,192 | 24.5% | 95 |
| 36 | CO | 0.6% | 11,283 | 1,993,984 | 23.9% | 65 |
| 37 | MT | 0.6% | 3,070 | 523,618 | 15.8% | 56 |
| 38 | ID | 0.5% | 3,768 | 691,150 | 19.1% | 44 |
| 39 | IL | 0.5% | 21,091 | 3,952,182 | 25% | 103 |
| 40 | IN | 0.5% | 13,093 | 2,572,454 | 16.6% | 92 |
| 41 | IA | 0.5% | 6,602 | 1,396,605 | 14.2% | 99 |
| 42 | KS | 0.5% | 5,331 | 1,172,094 | 15.1% | 105 |
| 43 | OK | 0.5% | 6,994 | 1,514,753 | 12.5% | 77 |
| 44 | SD | 0.5% | 2,012 | 398,954 | 14.3% | 67 |
| 45 | WI | 0.5% | 8,947 | 1,939,288 | 19.3% | 73 |
| 46 | WY | 0.5% | 1,305 | 272,148 | 15% | 23 |
| 47 | MI | 0.4% | 16,036 | 3,919,085 | 18.4% | 83 |
| 48 | MO | 0.4% | 10,574 | 2,496,627 | 18.9% | 115 |
| 49 | OH | 0.4% | 18,041 | 4,322,423 | 16.5% | 89 |
| 50 | UT | 0.3% | 3,169 | 979,402 | 16.2% | 29 |
| 51 | MN | 0.2% | 5,166 | 2,272,492 | 16.6% | 87 |
Sous: FEMA, NFIP residential penetration rates.
Sous: FEMA OpenFEMA, NFIP redacted claims, pran 2026-09-07.
Reusing this? Please link back to this page rather than copying the table. FEMA republishes these counts and a copy goes stale silently.
What the map is, and what it is not
Every state is the same size square, because every state is one number here and a real map would size them by land area. That flatters Alaska and hides New Jersey, which carries 121,462 policies in a state you can drive across in two hours. Squares also stay readable on a phone, which a map of the United States does not.
Why the two ends of this list look the way they do
The states at the top are the coastal ones where a mortgage lender requires the policy, because the property sits inside a mapped high-risk area. The states at the bottom are not dry: they are states where the map says most homes are outside the high-risk area, so nobody is forced, and so nobody buys. Roughly a quarter to a third of national flood claims come from outside that mapped area.
Where this site works
We write insurance in Florida, which sits second on this list at 13.7%. That is not reassuring: it means the state with the second-highest take-up in the country still has 6,544,410 homes with no flood policy at all. The Florida county breakdown is the more useful page if you live here.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number and a licensed Florida agent gets in touch. No obligation, and no call from six companies you have never heard of.
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