Where these numbers come from
Every figure on this site is computed from a public dataset, not typed into a sentence by somebody who read an article. Here is each one, linked, so you can check us rather than trust us. That is the whole point: an insurance site that asks you to take its word for something has not earned the word.
The datasets
| Dataset | What it is used for on this site | Last pulled |
|---|---|---|
| FEMA OpenFEMA, NFIP redacted claims | Flood claim counts, the zone they were rated in, what caused them, what they paid, and the storms behind them | 2026-09-07 |
| FEMA OpenFEMA, NFIP redacted policies | What a flood policy actually costs, by zone and by what is insured | 2026-09-09 |
| FEMA, NFIP residential penetration rates | How many homes in a county carry flood insurance at all | 2026-09-07 |
| FEMA, NFIP Community Status Book | The discount a city's floodplain management earns its residents | 2026-09-07 |
| US Census Bureau, American Community Survey · ACS 2023 5-year | Housing stock: when a county was built, who owns it, what it is worth | 2026-09-07 |
How the numbers get onto a page
Each dataset is pulled by a script, aggregated to counties or communities, and written to a file this site reads. No page calls an API while you are reading it, and the calculators make no network request at all. The date beside each source below is when that file was last built, and it appears on every page that quotes it.
What we do not do
No figure is typed into prose. If a sentence on this site contains a number, that number came out of one of the files below at the moment the page was built, which means it cannot quietly go stale while the sentence around it stays confident. It also means a number here can be older than today, and the date says so.
Where the data is wrong, and what we do about it
Public data has errors. Flood take-up above 100% exists in the source for a few counties, where policy counts exceed the structures somebody counted; those are dropped rather than published. Coded fields are labelled from the agency's own dictionary rather than from memory. Where a figure looks surprising, it gets checked against a like-for-like cut before it goes on a page, and where it survives that check, it stays surprising.
What these numbers are not
They are a record of what has already happened. A claims count is not a prediction, a policy cost is not a quote, and none of it says what will happen to a particular building. Coverage is bound only when a carrier issues a policy.
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.
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