Flood insurance claims in Fairbanks North Star Borough, Alaska

FEMA records 244 National Flood Insurance Program claims in Fairbanks North Star Borough, Alaska, since 1978, with $2.6 million paid in total. The year with the most claims was 2008, with 47. As of 3 August 2026, 1.9% of homes here had an NFIP policy, and 26.0% of homes in the high-risk flood zone did.

NFIP claims on record244

Total paid$2.6 million

Claims with a payment173

Homes with NFIP policy1.9%

High-risk zone homes insured26.0%

Residential policies in force563

Claims by year of loss

NFIP claims by year of loss, Fairbanks North Star Borough, Alaska

Paid on claims by year of loss (building, contents and increased cost of compliance), Fairbanks North Star Borough, Alaska

ZIP codes with the most claims

ZIP code (as reported)	Claims
99709	65
99714	61
99701	56
99705	45
99712	6
99702	3
99707	1
99710	1
99708	1

172 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.1 million, contents $463,020, increased cost of compliance $49,548.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,707	444	26.0%
All homes	30,291	563	1.9%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.