Flood insurance claims in Kootenai County, Idaho

FEMA records 91 National Flood Insurance Program claims in Kootenai County, Idaho, since 1979, with $746,386 paid in total. The year with the most claims was 1997, with 22. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 10.9% of homes in the high-risk flood zone did.

NFIP claims on record91

Total paid$746,386

Claims with a payment58

Homes with NFIP policy0.3%

High-risk zone homes insured10.9%

Residential policies in force209

Claims by year of loss

NFIP claims by year of loss, Kootenai County, Idaho

Paid on claims by year of loss (building, contents and increased cost of compliance), Kootenai County, Idaho

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	10

ZIP codes with the most claims

ZIP code (as reported)	Claims
83814	39
83833	15
83810	11
83803	10
83835	7
83816	3
83858	2
83815	1
83837	1
83861	1

52 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $676,254, contents $70,132, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,420	155	10.9%
All homes	67,103	209	0.3%

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.