Who has flood insurance: high-risk homes by county In counties with at least 1,000 homes in FEMA's high-risk flood zone, the share with an NFIP policy ranges from 0.2% to 94.5%. Lowest first. Data as of 3 August 2026. 10 counties where FEMA counts more high-risk policies than high-risk homes are left out.
County High-risk homes Insured Share Keokuk County, IA 1,295 3 0.2% Lee County, IA 1,370 13 0.9% Putnam County, GA 1,297 15 1.2% Chippewa County, MI 2,376 57 2.4% Frederick County, VA 1,052 29 2.8% Iron County, MO 1,087 32 2.9% Lincoln County, WV 1,946 58 3.0% Hall County, NE 1,197 36 3.0% Greene County, MS 1,003 31 3.1% Walsh County, ND 1,202 39 3.2% Merrick County, NE 1,418 49 3.5% Menominee County, MI 1,075 39 3.6% Starr County, TX 2,363 90 3.8% Garvin County, OK 1,623 65 4.0% Boone County, WV 2,904 138 4.8% Brooks County, TX 1,516 73 4.8% Arkansas County, AR 1,639 81 4.9% Le Flore County, OK 1,123 56 5.0% Mason County, WV 1,396 70 5.0% Quitman County, MS 1,412 74 5.2% Shoshone County, ID 2,006 107 5.3% Raleigh County, WV 1,624 87 5.4% Roosevelt County, NM 1,614 89 5.5% Arenac County, MI 1,060 62 5.8% Grady County, OK 1,140 67 5.9% Athens County, OH 2,430 144 5.9% Morgan County, CO 1,248 75 6.0% Meigs County, OH 1,552 96 6.2% San Juan County, NM 1,466 91 6.2% Logan County, CO 2,708 171 6.3% Butler County, MO 3,645 245 6.7% La Paz County, AZ 2,781 188 6.8% Alexander County, IL 1,530 105 6.9% White County, AR 1,589 112 7.0% Jackson County, MI 1,701 124 7.3% Anoka County, MN 1,891 139 7.4% Ottawa County, OH 6,271 471 7.5% Breathitt County, KY 1,347 103 7.6% Wetzel County, WV 1,332 102 7.7% Dallas County, AL 2,312 179 7.7% Clay County, AR 1,329 104 7.8% Buchanan County, VA 1,086 85 7.8% Belmont County, OH 1,557 122 7.8% Mifflin County, PA 1,824 147 8.1% Rio Arriba County, NM 1,461 118 8.1% Bay County, MI 3,124 254 8.1% Lonoke County, AR 1,598 130 8.1% Socorro County, NM 1,451 120 8.3% Kay County, OK 1,051 87 8.3% Elko County, NV 1,002 83 8.3% Logan County, WV 3,390 281 8.3% Hampshire County, WV 1,072 89 8.3% Weber County, UT 1,041 87 8.4% Huron County, MI 1,618 136 8.4% Armstrong County, PA 2,135 182 8.5% Warren County, PA 1,534 131 8.5% Wayne County, WV 1,627 139 8.5% Siskiyou County, CA 1,821 156 8.6% Atascosa County, TX 1,102 97 8.8% Marshall County, WV 1,090 97 8.9% Jackson County, AR 1,314 119 9.1% Lawrence County, OH 2,250 204 9.1% Bonner County, ID 1,221 112 9.2% Mineral County, NV 1,215 113 9.3% Harrison County, TX 1,239 116 9.4% Letcher County, KY 1,459 138 9.5% Jones County, MS 1,304 124 9.5% Johnson County, IA 1,871 178 9.5% Phillips County, AR 1,118 107 9.6% Jefferson County, OH 1,224 118 9.6% Fayette County, PA 1,744 169 9.7% Humboldt County, CA 2,542 249 9.8% Scioto County, OH 1,660 163 9.8% Kanawha County, WV 10,173 1,000 9.8% Seminole County, GA 1,017 100 9.8% Harrison County, WV 1,277 126 9.9% Vanderburgh County, IN 2,772 276 10.0% Brown County, WI 2,666 266 10.0% Hocking County, OH 1,017 102 10.0% Jackson County, IN 1,118 113 10.1% Potter County, PA 1,144 116 10.1% Marion County, WV 1,132 115 10.2% Henderson County, TX 1,224 125 10.2% Wood County, WV 1,564 163 10.4% Gallia County, OH 1,071 112 10.5% Gila County, AZ 2,220 235 10.6% Carroll County, NH 1,608 171 10.6% Washington County, OH 2,387 254 10.6% Miller County, AR 1,033 110 10.6% Barry County, MI 1,407 150 10.7% Harlan County, KY 2,350 255 10.9% Bell County, KY 1,349 147 10.9% Kootenai County, ID 1,420 155 10.9% Fremont County, CO 1,509 165 10.9% Coos County, OR 1,222 136 11.1% Eddy County, NM 1,802 201 11.2% Cochise County, AZ 5,493 613 11.2% Lubbock County, TX 5,555 633 11.4% Lincoln County, MO 1,309 150 11.5% Canadian County, OK 1,011 116 11.5% Kings County, CA 1,364 159 11.7% Jefferson County, AR 2,024 236 11.7% Bedford County, PA 1,751 205 11.7% Santa Cruz County, AZ 2,094 247 11.8% Crawford County, PA 1,852 220 11.9% Reno County, KS 1,370 163 11.9% Weld County, CO 1,671 202 12.1% Daviess County, KY 4,096 496 12.1% Cascade County, MT 1,469 179 12.2% Wise County, VA 1,115 136 12.2% LaGrange County, IN 1,281 157 12.3% Putnam County, WV 1,492 183 12.3% Iosco County, MI 1,070 132 12.3% Mercer County, WV 1,344 170 12.6% Licking County, OH 2,148 273 12.7% Montgomery County, AL 2,935 374 12.7% Augusta County, VA 1,000 128 12.8% Ector County, TX 5,938 766 12.9% Hardin County, TN 1,108 144 13.0% Tuscarawas County, OH 1,141 149 13.1% Kennebec County, ME 1,368 179 13.1% Jefferson County, AL 5,592 732 13.1% Otero County, NM 5,212 688 13.2% Ottawa County, OK 1,361 180 13.2% Flathead County, MT 1,700 228 13.4% Greene County, AR 2,236 300 13.4% Sullivan County, NY 1,479 199 13.5% Cabell County, WV 1,717 232 13.5% Johnson County, KY 1,423 193 13.6% Camden County, MO 1,244 169 13.6% Saline County, KS 1,109 151 13.6% Navajo County, AZ 2,098 293 14.0% Madison County, IN 1,272 178 14.0% Rogers County, OK 1,307 183 14.0% Talladega County, AL 1,758 249 14.2% Harrison County, IA 1,121 159 14.2% Dixie County, FL 3,782 538 14.2% Valencia County, NM 14,722 2,111 14.3% Kankakee County, IL 1,771 254 14.3% Livingston County, IL 1,016 146 14.4% Centre County, PA 1,376 199 14.5% Rockingham County, VA 1,350 196 14.5% Floyd County, KY 3,355 488 14.5% Bolivar County, MS 1,899 279 14.7% Willacy County, TX 2,844 418 14.7% Allen Parish, LA 1,220 180 14.8% San Bernardino County, CA 9,277 1,373 14.8% Hennepin County, MN 1,992 296 14.9% Clinton County, PA 2,079 309 14.9% Livingston County, MI 1,157 172 14.9% Perry County, PA 1,027 153 14.9% Webb County, TX 2,733 408 14.9% Ottawa County, MI 1,114 167 15.0% Canyon County, ID 2,066 311 15.1% Lake County, CA 5,319 805 15.1% Berrien County, MI 1,083 164 15.1% Floyd County, GA 1,051 160 15.2% Northumberland County, PA 1,692 258 15.2% Madera County, CA 2,683 413 15.4% Cambria County, PA 1,902 293 15.4% San Jacinto County, TX 1,642 254 15.5% Boyd County, KY 1,150 178 15.5% Sedgwick County, KS 3,456 536 15.5% Lycoming County, PA 3,695 574 15.5% Riverside County, CA 14,072 2,188 15.5% Pennington County, SD 1,251 195 15.6% Josephine County, OR 2,051 320 15.6% Wayne County, NC 2,676 418 15.6% Perry County, KY 1,431 224 15.7% Graham County, AZ 1,169 183 15.7% Leflore County, MS 1,656 260 15.7% Yakima County, WA 4,105 646 15.7% Clearfield County, PA 1,114 176 15.8% Washington County, PA 2,282 362 15.9% Doña Ana County, NM 4,258 676 15.9% Allen County, IN 2,172 347 16.0% Marion County, IN 10,075 1,612 16.0% Calhoun County, AL 1,566 251 16.0% Lane County, OR 9,402 1,513 16.1% Lee County, MS 1,123 181 16.1% Hamilton County, IN 1,320 214 16.2% Somerset County, PA 1,357 221 16.3% Greenbrier County, WV 1,150 188 16.3% Salt Lake County, UT 1,899 313 16.5% Yuma County, AZ 1,892 312 16.5% Tehama County, CA 2,788 461 16.5% La Plata County, CO 1,028 170 16.5% Brown County, TX 2,086 346 16.6% Medina County, TX 1,422 236 16.6% Union County, PA 1,136 189 16.6% Iroquois County, IL 1,417 237 16.7% Franklin County, OH 4,209 707 16.8% Schuylkill County, PA 3,131 527 16.8% Clermont County, OH 1,166 197 16.9% Huntingdon County, PA 1,115 189 17.0% Forrest County, MS 2,061 353 17.1% Cayuga County, NY 1,364 235 17.2% Warren County, MS 1,722 298 17.3% Mingo County, WV 1,823 316 17.3% Mendocino County, CA 1,577 274 17.4% Lowndes County, MS 2,945 514 17.5% Douglas County, NE 3,772 659 17.5% Cleveland County, OK 1,574 275 17.5% Johnson County, IN 1,476 259 17.5% St. Clair County, MI 6,574 1,154 17.6% Marion County, SC 1,016 179 17.6% Pottawattamie County, IA 2,286 403 17.6% Pearl River County, MS 1,926 341 17.7% Hancock County, OH 1,647 293 17.8% Larimer County, CO 1,148 205 17.9% Wyoming County, WV 1,304 233 17.9% Shelby County, TN 3,036 543 17.9% Lyon County, NV 1,414 253 17.9% Faulkner County, AR 1,736 311 17.9% Otsego County, NY 1,043 187 17.9% Grafton County, NH 1,250 225 18.0% Hudson County, NJ 13,150 2,369 18.0% Yazoo County, MS 1,293 233 18.0% Fairfield County, OH 1,885 340 18.0% Jackson County, TX 1,602 289 18.0% Sebastian County, AR 1,039 188 18.1% Evangeline Parish, LA 1,861 337 18.1% Dodge County, NE 3,605 659 18.3% Erie County, OH 1,904 349 18.3% Alachua County, FL 4,050 744 18.4% Mohave County, AZ 2,464 453 18.4% Bartholomew County, IN 1,484 273 18.4% Lenoir County, NC 1,188 219 18.4% Oklahoma County, OK 3,484 643 18.5% Fond du Lac County, WI 1,844 341 18.5% Clatsop County, OR 1,586 294 18.5% Wichita County, TX 2,249 417 18.5% Orange County, CA 22,389 4,175 18.6% Lauderdale County, MS 1,501 280 18.7% Parker County, TX 1,486 278 18.7% Natchitoches Parish, LA 2,223 416 18.7% Lucas County, OH 3,463 654 18.9% Tyrrell County, NC 1,984 375 18.9% Grays Harbor County, WA 5,533 1,047 18.9% Oxford County, ME 1,171 222 19.0% Blair County, PA 2,366 451 19.1% Linn County, OR 2,004 382 19.1% Shasta County, CA 2,056 393 19.1% Oswego County, NY 1,055 202 19.1% Sandoval County, NM 1,936 371 19.2% Liberty County, TX 3,601 692 19.2% Codington County, SD 1,160 223 19.2% Monroe County, MI 3,764 727 19.3% McHenry County, IL 3,218 625 19.4% McDowell County, WV 2,006 390 19.4% Jefferson County, MO 2,395 466 19.5% Carter County, TN 1,670 326 19.5% Tulare County, CA 18,585 3,638 19.6% Fresno County, CA 2,954 579 19.6% Kern County, CA 12,851 2,527 19.7% Jim Wells County, TX 1,259 250 19.9% Chenango County, NY 1,500 298 19.9% Cabarrus County, NC 1,202 239 19.9% Sumter County, SC 1,190 237 19.9% Douglas County, OR 3,871 772 19.9% Putnam County, FL 4,247 847 19.9% Monroe County, PA 1,192 239 20.1% Suwannee County, FL 1,486 298 20.1% Yamhill County, OR 1,507 303 20.1% Merrimack County, NH 1,069 215 20.1% Oneida County, NY 1,511 304 20.1% Comanche County, OK 1,311 264 20.1% Butler County, PA 1,173 237 20.2% Taylor County, TX 8,566 1,739 20.3% Genesee County, MI 1,058 215 20.3% Niagara County, NY 1,834 374 20.4% Winnebago County, WI 1,411 289 20.5% Trumbull County, OH 1,005 206 20.5% Clark County, IN 1,922 394 20.5% Chaves County, NM 1,107 227 20.5% Colfax County, NE 1,175 241 20.5% Cumberland County, PA 1,735 357 20.6% Pinal County, AZ 2,932 607 20.7% Henderson County, KY 1,139 236 20.7% Kosciusko County, IN 1,953 405 20.7% Greenup County, KY 1,424 296 20.8% Westmoreland County, PA 2,720 566 20.8% Oakland County, MI 1,809 378 20.9% Highlands County, FL 2,149 451 21.0% Washington County, MS 4,658 979 21.0% Washington Parish, LA 1,821 383 21.0% Bastrop County, TX 1,252 264 21.1% Pima County, AZ 8,094 1,708 21.1% Warren County, OH 1,270 269 21.2% Iberville Parish, LA 2,117 453 21.4% Pike County, KY 3,461 741 21.4% Sevier County, TN 1,600 343 21.4% Wayne County, MI 12,730 2,741 21.5% Santa Clara County, CA 32,371 6,986 21.6% Fairfax County, VA 3,414 740 21.7% Wharton County, TX 4,727 1,029 21.8% Columbia County, OR 1,737 379 21.8% Marion County, FL 7,895 1,728 21.9% Okeechobee County, FL 4,529 993 21.9% Mason County, WA 1,564 343 21.9% Tulsa County, OK 3,419 750 21.9% Tioga County, PA 1,126 249 22.1% Custer County, MT 3,018 670 22.2% Pulaski County, AR 5,163 1,150 22.3% Butte County, CA 4,026 898 22.3% Black Hawk County, IA 1,385 309 22.3% Dougherty County, GA 3,056 684 22.4% Hamilton County, TN 3,789 849 22.4% San Luis Obispo County, CA 2,861 642 22.4% Stanislaus County, CA 2,334 529 22.7% Elkhart County, IN 1,257 285 22.7% Will County, IL 3,291 747 22.7% Bullitt County, KY 2,352 534 22.7% Columbia County, PA 1,676 381 22.7% Polk County, IA 1,607 366 22.8% Monterey County, CA 3,063 699 22.8% Benton County, OR 1,984 453 22.8% Delaware County, NY 1,772 406 22.9% Lehigh County, PA 1,167 268 23.0% Glenn County, CA 1,178 272 23.1% Ohio County, WV 1,818 427 23.5% St. Landry Parish, LA 6,777 1,599 23.6% Taylor County, FL 2,677 632 23.6% Hamilton County, OH 2,527 598 23.7% Lake County, FL 6,862 1,625 23.7% Rock Island County, IL 2,585 613 23.7% Linn County, IA 1,061 252 23.8% Vigo County, IN 1,676 402 24.0% Shawnee County, KS 2,370 569 24.0% Benton County, AR 1,165 280 24.0% Johnson County, TX 1,456 350 24.0% Lea County, NM 2,870 692 24.1% Delaware County, IN 1,126 272 24.2% San Diego County, CA 12,953 3,137 24.2% Robeson County, NC 2,312 562 24.3% Merced County, CA 15,210 3,699 24.3% Lake County, IL 4,579 1,114 24.3% Scott County, IA 1,816 442 24.3% Yavapai County, AZ 4,210 1,030 24.5% Washington County, AR 1,403 346 24.7% Hinds County, MS 7,748 1,912 24.7% San Joaquin County, CA 7,720 1,906 24.7% Lancaster County, NE 2,580 639 24.8% St. Martin Parish, LA 5,221 1,295 24.8% Acadia Parish, LA 6,432 1,614 25.1% Winnebago County, IL 2,020 509 25.2% Ada County, ID 3,840 968 25.2% Polk County, TX 1,538 389 25.3% Solano County, CA 5,211 1,319 25.3% Montgomery County, OH 2,655 675 25.4% Scott County, MO 2,549 650 25.5% Dauphin County, PA 3,368 862 25.6% Butler County, OH 1,748 453 25.9% Bulloch County, GA 1,020 265 26.0% Fairbanks North Star Borough, AK 1,707 444 26.0% Hampden County, MA 1,130 294 26.0% Bradford County, PA 1,527 398 26.1% Lake County, IN 2,019 529 26.2% Garland County, AR 1,779 467 26.3% St. Mary Parish, LA 5,751 1,513 26.3% Ulster County, NY 2,197 579 26.4% Monroe County, NY 2,341 617 26.4% Haywood County, NC 2,214 588 26.6% Cumberland County, NJ 1,020 274 26.9% Bradford County, FL 1,317 354 26.9% San Miguel County, NM 1,190 320 26.9% Lancaster County, PA 1,544 421 27.3% Snohomish County, WA 5,101 1,391 27.3% El Paso County, CO 1,621 443 27.3% Columbia County, FL 1,824 499 27.4% Santa Barbara County, CA 4,422 1,213 27.4% Lincoln County, OR 2,021 555 27.5% Jackson County, OR 2,809 773 27.5% Onondaga County, NY 2,978 820 27.5% Madison County, MS 1,279 353 27.6% Richland Parish, LA 1,112 307 27.6% Denton County, TX 1,994 552 27.7% Allegheny County, PA 4,261 1,188 27.9% Tioga County, NY 1,689 472 27.9% Kane County, IL 1,465 410 28.0% Jefferson Davis Parish, LA 2,039 571 28.0% Contra Costa County, CA 7,128 1,997 28.0% Windsor County, VT 1,057 297 28.1% Yolo County, CA 3,036 854 28.1% Tom Green County, TX 1,396 393 28.2% Erie County, NY 3,298 937 28.4% Bexar County, TX 6,137 1,745 28.4% Yuba County, CA 1,467 418 28.5% Clark County, WA 1,154 329 28.5% Summit County, OH 1,134 324 28.6% Bernalillo County, NM 2,123 607 28.6% Lackawanna County, PA 2,657 763 28.7% Assumption Parish, LA 2,661 767 28.8% Levy County, FL 2,650 766 28.9% Bell County, TX 1,245 360 28.9% Maricopa County, AZ 20,901 6,086 29.1% Whatcom County, WA 4,011 1,169 29.1% Marion County, OR 2,669 786 29.4% Coconino County, AZ 1,073 318 29.6% Macomb County, MI 3,449 1,028 29.8% Wakulla County, FL 3,291 982 29.8% Ingham County, MI 1,590 475 29.9% Lorain County, OH 1,264 378 29.9% Tillamook County, OR 1,611 483 30.0% Tuscaloosa County, AL 1,349 406 30.1% Island County, WA 2,573 780 30.3% York County, PA 1,506 459 30.5% Cowlitz County, WA 1,716 529 30.8% Ventura County, CA 7,333 2,264 30.9% Washoe County, NV 2,714 838 30.9% San Mateo County, CA 7,052 2,178 30.9% Jackson County, MO 1,068 332 31.1% Dutchess County, NY 2,455 768 31.3% Sonoma County, CA 3,971 1,244 31.3% Orange County, NY 2,115 664 31.4% Waller County, TX 1,481 466 31.5% Douglas County, NV 1,571 495 31.5% Caldwell Parish, LA 1,006 319 31.7% Capitol Planning Region, CT 2,055 653 31.8% San Patricio County, TX 2,951 941 31.9% Cook County, IL 12,558 4,016 32.0% Edgecombe County, NC 1,059 339 32.0% McLennan County, TX 1,655 539 32.6% Kerr County, TX 1,172 382 32.6% Los Angeles County, CA 11,989 3,925 32.7% Cameron Parish, LA 2,590 852 32.9% Santa Cruz County, CA 5,365 1,769 33.0% Cumberland County, NC 1,035 343 33.1% Rankin County, MS 2,338 777 33.2% Matagorda County, TX 4,518 1,504 33.3% Berks County, PA 1,445 485 33.6% Somerset County, MD 4,667 1,578 33.8% St. Louis County, MO 3,470 1,178 33.9% Hendry County, FL 1,301 442 34.0% Tangipahoa Parish, LA 8,591 2,929 34.1% Albany County, NY 1,121 383 34.2% Pitt County, NC 2,313 795 34.4% Richmond County, GA 1,121 386 34.4% Camden County, NJ 2,774 956 34.5% Hillsborough County, NH 1,273 439 34.5% St. Charles County, MO 2,198 763 34.7% Rutherford County, TN 2,009 709 35.3% Montgomery County, TX 7,208 2,559 35.5% Wilson County, TN 1,029 368 35.8% Osceola County, FL 14,370 5,159 35.9% Alameda County, CA 6,841 2,461 36.0% Kent County, DE 1,407 507 36.0% Napa County, CA 1,833 664 36.2% Sarpy County, NE 1,076 390 36.2% Cameron County, TX 11,871 4,354 36.7% Polk County, FL 10,707 3,935 36.8% Rockingham County, NH 3,948 1,480 37.5% Washington County, VT 1,047 396 37.8% Marin County, CA 9,823 3,734 38.0% Washington County, OR 1,766 673 38.1% Madison County, AL 4,593 1,764 38.4% Northampton County, PA 1,124 433 38.5% Livingston Parish, LA 25,438 9,813 38.6% Delaware County, PA 1,813 700 38.6% Sumter County, FL 2,480 958 38.6% Gulf County, FL 3,403 1,319 38.8% Salem County, NJ 3,723 1,444 38.8% Kitsap County, WA 1,128 442 39.2% Citrus County, FL 12,092 4,747 39.3% Iberia Parish, LA 4,136 1,624 39.3% Dallas County, TX 6,257 2,482 39.7% Hyde County, NC 2,317 920 39.7% Chester County, PA 1,279 509 39.8% Guadalupe County, TX 4,390 1,749 39.8% Calhoun County, TX 2,154 859 39.9% Leon County, FL 2,899 1,158 39.9% Fulton County, GA 2,562 1,030 40.2% Barnstable County, MA 13,520 5,449 40.3% Liberty County, GA 2,291 925 40.4% DuPage County, IL 2,485 1,014 40.8% Clackamas County, OR 1,926 786 40.8% Nye County, NV 8,124 3,324 40.9% Jefferson County, CO 1,778 728 40.9% Bergen County, NJ 10,177 4,203 41.3% Buncombe County, NC 1,283 532 41.5% Brazos County, TX 1,007 419 41.6% Mercer County, NJ 1,826 761 41.7% Fort Bend County, TX 6,535 2,739 41.9% Accomack County, VA 5,418 2,278 42.0% Lower Connecticut River Valley Planning Region, CT 4,727 1,989 42.1% Sarasota County, FL 41,803 17,639 42.2% Calcasieu Parish, LA 12,927 5,518 42.7% Franklin County, FL 4,340 1,853 42.7% Brazoria County, TX 26,528 11,347 42.8% Norfolk County, MA 4,629 2,001 43.2% Manatee County, FL 37,749 16,353 43.3% Hardin County, TX 1,474 640 43.4% Palm Beach County, FL 43,577 18,933 43.4% Pierce County, WA 2,861 1,250 43.7% Hays County, TX 2,033 894 44.0% St. Lucie County, FL 6,144 2,702 44.0% Caddo Parish, LA 7,383 3,249 44.0% King County, WA 5,797 2,558 44.1% Orange County, FL 9,209 4,067 44.2% Boulder County, CO 2,870 1,276 44.5% New Castle County, DE 2,006 893 44.5% Newport County, RI 2,144 958 44.7% Mobile County, AL 9,472 4,277 45.2% Greenville County, SC 1,128 511 45.3% Ascension Parish, LA 15,398 6,990 45.4% Williamson County, TX 1,291 591 45.8% Wake County, NC 1,680 770 45.8% Comal County, TX 1,408 651 46.2% Ouachita Parish, LA 6,209 2,898 46.7% Lafayette Parish, LA 16,496 7,738 46.9% Pasco County, FL 35,604 16,709 46.9% Montgomery County, PA 2,407 1,130 46.9% Brevard County, FL 17,068 8,018 47.0% Seminole County, FL 4,324 2,037 47.1% Lee County, FL 145,195 68,931 47.5% Passaic County, NJ 3,719 1,793 48.2% Kent County, RI 1,565 756 48.3% Harris County, TX 113,215 54,764 48.4% Bossier Parish, LA 6,770 3,275 48.4% Clay County, FL 3,451 1,673 48.5% Dorchester County, MD 2,374 1,153 48.6% Vermilion Parish, LA 5,924 2,893 48.8% Cass County, ND 2,691 1,319 49.0% Washington County, RI 4,832 2,370 49.0% Bucks County, PA 3,468 1,706 49.2% Union County, NJ 4,874 2,400 49.2% Gloucester County, NJ 1,148 574 50.0% Mathews County, VA 1,791 901 50.3% Essex County, NJ 3,710 1,873 50.5% Greater Bridgeport Planning Region, CT 6,918 3,509 50.7% Bristol County, RI 2,004 1,025 51.1% Indian River County, FL 9,634 4,985 51.7% Plymouth County, MA 11,912 6,185 51.9% South Central Connecticut Planning Region, CT 7,427 3,876 52.2% Carteret County, NC 12,132 6,332 52.2% Travis County, TX 6,184 3,258 52.7% Luzerne County, PA 2,670 1,407 52.7% Jefferson County, KY 4,595 2,428 52.8% Plaquemines Parish, LA 4,062 2,147 52.9% Somerset County, NJ 1,323 702 53.1% Burnet County, TX 1,829 971 53.1% Suffolk County, MA 5,006 2,667 53.3% Middlesex County, MA 4,035 2,159 53.5% Middlesex County, NJ 2,391 1,280 53.5% Hernando County, FL 4,770 2,572 53.9% Honolulu County, HI 8,317 4,490 54.0% Pasquotank County, NC 2,261 1,223 54.1% Burlington County, NJ 4,044 2,220 54.9% Jackson County, MS 13,969 7,721 55.3% Llano County, TX 1,470 817 55.6% Beaufort County, NC 3,774 2,098 55.6% Bristol County, MA 3,805 2,116 55.6% Davidson County, TN 3,405 1,934 56.8% East Baton Rouge Parish, LA 28,633 16,336 57.1% Western Connecticut Planning Region, CT 6,453 3,692 57.2% Volusia County, FL 19,091 10,958 57.4% Charlotte County, FL 49,038 28,408 57.9% Essex County, MA 7,538 4,378 58.1% Colleton County, SC 2,487 1,458 58.6% Currituck County, NC 1,618 960 59.3% Duval County, FL 9,721 5,859 60.3% Jasper County, SC 1,153 696 60.4% Craven County, NC 5,869 3,554 60.6% Southeastern Connecticut Planning Region, CT 2,728 1,655 60.7% Nassau County, FL 3,317 2,013 60.7% Monroe County, FL 34,033 20,855 61.3% Hillsborough County, FL 56,828 34,867 61.4% Sussex County, DE 17,440 10,708 61.4% Gloucester County, VA 1,665 1,023 61.4% Escambia County, FL 7,909 4,904 62.0% Harrison County, MS 10,451 6,531 62.5% Pamlico County, NC 2,090 1,314 62.9% Baldwin County, AL 10,442 6,643 63.6% Hancock County, MS 7,785 4,965 63.8% Westchester County, NY 3,657 2,335 63.9% Worcester County, MA 1,010 655 64.9% Suffolk County, NY 21,119 13,883 65.7% Galveston County, TX 43,982 29,025 66.0% Lexington County, SC 1,395 933 66.9% Santa Rosa County, FL 5,594 3,744 66.9% Bay County, FL 9,900 6,679 67.5% Pender County, NC 5,184 3,505 67.6% Aransas County, TX 2,671 1,835 68.7% Richland County, SC 1,407 973 69.2% Walton County, FL 4,608 3,240 70.3% Monmouth County, NJ 14,605 10,288 70.4% Ocean County, NJ 47,067 33,329 70.8% Dorchester County, SC 1,754 1,246 71.0% DeKalb County, GA 1,927 1,396 72.4% Onslow County, NC 3,491 2,562 73.4% Okaloosa County, FL 5,078 3,754 73.9% Cape May County, NJ 32,391 24,098 74.4% Miami-Dade County, FL 199,250 148,389 74.5% New Hanover County, NC 9,484 7,093 74.8% Camden County, GA 1,724 1,294 75.1% Broward County, FL 123,414 93,955 76.1% Nassau County, NY 35,643 27,164 76.2% Martin County, FL 3,905 3,037 77.8% Brunswick County, NC 12,962 10,108 78.0% Charleston County, SC 44,952 35,189 78.3% St. John the Baptist Parish, LA 3,747 2,989 79.8% Sacramento County, CA 35,666 28,937 81.1% Chatham County, GA 12,957 10,556 81.5% Berkeley County, SC 3,874 3,163 81.6% Dare County, NC 8,571 7,197 84.0% Cobb County, GA 1,348 1,146 85.0% Mecklenburg County, NC 1,182 1,017 86.0% Glynn County, GA 5,676 5,137 90.5% Bryan County, GA 1,441 1,339 92.9% Atlantic County, NJ 12,139 11,471 94.5%
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 FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026 FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026 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.