Which states have been hit the hardest by flooding? (2024)

Floods are the most common and costly natural disaster in the US. They are responsible for devastating coastal communities and inland areas alike. The Federal Emergency Management Agency (FEMA) estimates that at least 10% of the nation’s land area is currently at risk for flooding, directly impacting about 13 million Americans.While flooding can occur anywhere in the US, Gulf Coast states get hit the most often and the hardest compared to others.

The 10 most costly floods in the history of the National Flood Insurance Program (NFIP) occurred within the last 20 years, totaling more than $50 billion in paid claims.

How does the government define flooding?

FEMA defines a flood as the “partial or complete inundation of two or more acres of normally dry land” involving “two or more properties.” Flooding can result from many potential sources, including flash floods, tropical storms, hurricanes, spring thaws, heavy rains, or the erosion of levees and dams.

But because floods can stretch over large areas and can occur over days and weeks, counting the number of flooding events in the US can be challenging.

One way to count floods is by looking at the number of flood insurance claims made to the NFIP.

Established in 1968, the NFIP is a program overseeing floodplain management at the federal level. It also manages a flood insurance program for people and businesses located in one of about 23,000 NFIP communities. Homes and businesses in high-risk areas within these communities are required by law to have flood insurance. These high-risk areas are categorized by FEMA as any place with a 1% or higher chance of experiencing a flood each year.

Most flooding occurs between early April through September, coinciding with hurricane and tropical storm season. The official Atlantic Ocean hurricane season occurs between June 1 and November 30. Hurricanes historically account for the costliest floods, including nine out of the 10 most significant flooding events during the history of the NFIP.

Is flooding getting worse in the US?

NFIP claims rose in recent years. From 2010 to 2019, about 71,000 NFIP claims were filed in an average year. That rate is almost double the annual rate of claims filed in the 1980s. A 2016 Congressional Budget Office (CBO) report on NFIP claims predicted that flooding damage from hurricanesis expected to increase significantly in the coming decades due to the effects of climate change and coastal development.

The three biggest flooding events since 2000 in terms of NFIP claims were Hurricane Katrina in 2005, Superstorm Sandy in 2012, and Hurricane Harvey in 2017.

Which states and counties file the most flood claims?

Flooding occurs in every US state and territory, with 99% of US counties experiencing at least one flood between 1996 to 2019. Seventy percent of flood claims are filed from densely populated urban areas located in high-risk floodplain zones.

Over 95% of flood insurance policies are purchased through the NFIP. Currently, just over five million Americans have a flood insurance policy through the program. More than two million policies are in the Gulf states of Alabama, Florida, Louisiana, Mississippi, and Texas.

FEMA administers the program and determines the risk-level assessments of flood plains and the costs associated with flood insurance premiums. Since 1978, the NFIP has paid out more than $75.4 billion, or $101.9 billion after adjusting for inflation, through the program across more than 2.5 million flood insurance claims for private property owners.[1]

More than 75% of flood insurance payouts distributed by the NFIP have gone to fivestates: Texas, New York, New Jersey, Louisiana, and Florida. These fivestates are responsible for 67% of total flood insurance claims. Adjusted for inflation, the highest-ranking state is Louisiana with $28.9 billion dollars in payouts, just over a fourth of the total payouts made to all NFIP policyholders since 1978. Approximately $22.1 billion in payouts to Louisiana stem from Hurricane Katrina claims. [2]

These same five states are also responsible for more than 60% of all NFIP claims. The highest-ranking state in this category is also Louisiana, at 478,779 claims.

The county with the most claims is Harris County, Texas in Houston, with approximately 171,324 total claims, about 44% of the total claims for the state.

Congress must periodically reauthorize the NFIP’s statutory authority for the agency to continue distributing payouts. The current renewal deadline is set for September 30, 2022.

To learn more about the environment and natural resources, read about National Flood insurance polices or the uptick in heatwaves. Get the data directly to your inbox by signing up for our newsletter.

OpenFEMA Dataset: FIMA NFIP Redacted Claims

Last updated

2021

National Flood Insurance Program

Last updated

March 9, 2022

See Also
Flood Basics
[1]

The NFIP offers three types of coverage for homeowners: building property coverage up to $250,000, contents coverage up to $100,000, and increased cost of compliance (ICC) coverage up to $30,000.

[2]

Here, payout refers to the total amount paid back to policyholders who filed a claim to the NFIP.

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Which states have been hit the hardest by flooding? (2024)

FAQs

Which states have been hit the hardest by flooding? ›

The hardest hit have been Iowa and South Dakota, where some rivers reached record-high levels. At least one person died in the floods in South Dakota, said the state's governor Kristi Noem. Iowa Governor Kim Reynolds called the floods “catastrophic” and has declared a state of disaster in 21 counties.

What states are most affected by floods? ›

When coastal flooding and riverine flooding are broken down into two separate entities, New Jersey, New York and Virginia top the list for biggest coastal impacts, while the Lone Star State, Louisiana and California rank highest for the potential of losses during riverine events.

Where is flooding the worst in the US? ›

Mississippi River Floods of 2019

The conterminous United States recorded the wettest meteorological winter (December 2018 – February 2019) during the 1895–2019 period of record. Most portions of the Mississippi River experienced significant, prolonged flooding during the winter, spring, and summer of 2019.

Where does the most intense flooding occur? ›

Extreme flooding can occur in coastal areas particularly when storm surge coincides with normal high tide, resulting in storm tides reaching up to 20 feet or more in some cases. Along the coast, storm surge is often the greatest threat to life and property from a hurricane.

Which state has the largest flood prone area? ›

Bihar, which borders the Himalayan nation of Nepal, is India's most flood-prone state.

Which state would be at the highest risk for coastal flooding? ›

By category (and back to coastal states with ocean coastlines), Florida has the highest number of square miles exposed to coastal flooding — 758.0. Much of Florida's land, especially along the coast, is low-lying and near sea level, making it particularly vulnerable to flooding.

What are the worst flood zones? ›

High-risk flood areas begin with the letters A or V on FEMA flood maps. These areas face the highest risk of flooding. If you own a property in a high-risk zone and have a federally backed mortgage, you are required to purchase flood insurance as a condition of that loan.

Which state has the most natural disasters? ›

Key Findings. California is the most disaster-prone state in the nation, with 282 disaster declarations since 2003. Although known for wildfires, the Golden State has endured eight severe storms in the past five years, the same number of storms that occurred over the preceeding 14 years (from 2003 to 2017).

What areas are most affected by floods? ›

The most flood-affected state in India falls under the Ganga River basins and Brahmaputra. The Indo-Gangetic- Brahmaputra plains in North and Northeast India carry nearly 60% of India's total river flow.

What is the biggest flood in US history? ›

The Great Mississippi Flood of 1927 was the most destructive river flood in the history of the United States, with 27,000 square miles (70,000 km2) inundated in depths of up to 30 feet (9 m) over the course of several months in early 1927.

What city is prone to flooding? ›

The top 10 cities in terms of assets exposed are Miami, Guangdong, Greater New York, Kolkata, Shanghai, Mumbai, Tianjin, Tokyo, Hong Kong, and Bangkok.

What two states have the most flooding? ›

River flooding caused by hurricanes accounts for much of the risk in Texas and Louisiana. New Jersey's top ranks are largely due to the high cost of living and high economic impact. Accoarding to FEMA, "flood season" in the U.S. runs from June to November, when parts of the country are most at risk.

Which state suffer from the most floods? ›

Bihar is India's most flood-prone state, with 76% of the population of North Bihar living under the recurring threat of devastating flooding. Bihar makes up 16.5% of India's flood-affected area and contains 22.1% of India's flood-affected population.

Where in the US and when are floods most common? ›

Coastal areas are at greater risk for flooding during hurricane season (i.e., June to November), while the Midwest is more at risk in the spring and during heavy summer rains. Ice jams occur in the spring in the Northeast and Northwest.

What states were affected by the Great flood? ›

From May through September of 1993, major and/or record flooding occurred across North Dakota, South Dakota, Nebraska, Kansas, Minnesota, Iowa, Missouri, Wisconsin, and Illinois. Fifty flood deaths occurred, and damages approached $15 billion. Hundreds of levees failed along the Mississippi and Missouri Rivers.

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