Facts + Statistics: Flood insurance

 
National Flood Insurance Program

Flood damage is excluded under standard homeowners and renters insurance policies. However, flood coverage is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from some private insurers.
 
Congress created the NFIP in 1968 in response to the rising cost of taxpayer-funded disaster relief for flood victims and the increasing amount of damage caused by floods. The NFIP makes federally backed flood insurance available in communities that agree to adopt and enforce floodplain management ordinances to reduce future flood damage. The NFIP is self-supporting for the average historical loss year. This means that unless there is a widespread disaster, operating expenses and flood insurance claims are financed through premiums collected.
 
The NFIP provides coverage for up to $250,000 for the structure of the home and up to $100,000 for personal possessions. Private flood insurance is available for those who need additional insurance protection, known as excess coverage, over and above the basic policy or for people whose communities do not participate in the NFIP. Some insurers have introduced special policies for high-value properties. These policies may cover homes in noncoastal areas and/or provide enhancements to traditional flood coverage. The comprehensive portion of an auto insurance policy includes coverage for flood damage.
 
In 2016 the NFIP began a reinsurance program to put it in a better position to manage losses incurred from major events by transferring exposure to reinsurers. The NFIP recovered the entire $1.042 billion based on Hurricane Harvey flood losses. The NFIP returned to the private reinsurance market for 2018, paying $235 million for $1.458 billion coverage from a single flood event. The coverage limit is 40 percent more than what the NFIP purchased in 2017 ($1.042 billion), and the premium is 56 percent higher than the $150 million NFIP paid in 2017. The structure of 2018’s reinsurance has changed from 2017. In 2017 reinsurers covered 26 percent of $4 billion in losses after NFIP retained $4 billion losses. Reinsurers will pay 18.6 percent of the first $2 billion of losses in excess of $4 billion and will pay 54.3 percent of the $2 billion in excess of $6 billion. In both 2017 and 2018, the NFIP gets no protection for the first $4 billion of any flood event. The $4 billion acts like a deductible on an insurance policy. After that, the worse the flood gets, the more NFIP recovers, and in 2018 the maximum was $1.458 billion.  
 
In August 2018, FEMA launched its first catastrophe bond to transfer risk from the National Flood Insurance Program (NFIP) to the capital markets, as reported by Artemis. It was the first catastrophe bond to solely provide reinsurance coverage for flood risks. FEMA originally sought $275 million of reinsurance protection from the FloodSmart Re Ltd. (Series 2018-1) issuance in July. Later, that amount had grown to $500 due to investor demand. FloodSmart Re, a Bermuda domiciled special purpose insurance vehicle, issued two classes of notes that were sold to insurance linked securities funds to collateralize underlying reinsurance agreements to cover a portion of the National Flood Insurance Program (NFIP) U.S. flood exposure. The transaction will cover NFIP losses from flood events that are directly or indirectly caused by a named storm event impacting the United States and also Puerto Rico, the U.S. Virgin Islands and the District of Columbia.
 
Congress must periodically renew the NFIP’s statutory authority to operate. In the unlikely event the NFIP’s authorization lapses, claims would still be paid but the NFIP would stop selling and renewing policies (more details here.)
 
A 2016 poll by the Insurance Information Institute found that 12 percent of American homeowners had a flood insurance policy, lower than the 14 percent who had the coverage in 2015. The percentage of homeowners with flood insurance was highest in the South, at 14 percent. Thirteen percent of homeowners in the Northeast had a flood insurance policy, 10 percent of homeowners in the West had a flood insurance policy, while 8 percent of homeowners in the Midwest had flood insurance.
  • As of November 2018, 59 insurance companies participated in the Write Your Own program, started in 1983, in which insurers issue policies and adjust flood claims on behalf of the federal government under their own names.
  • In 2017, 87 percent of NFIP policies were held in the WYO program.
  • As of July 2018, 69 percent of policies covered single family homes, 20 percent covered condominiums, and 5 percent covered businesses and other non-residential properties. Two- to four-family units and other residential policies accounted for the remainder.
  • As of July 31, 2018, Hurricane Katrina in 2005 had the highest amount in NFIP payouts, at $16.3 billion. Hurricane Harvey of 2017 ranked second with $8.8 billion in NFIP payouts. Superstorm Sandy, which occurred in October 2012, ranked third, resulting in $8.8 billion in NFIP payouts. Hurricane Irma, also in 2017, ranked ninth with $1 billion in payouts. 2017 data are still preliminary.

 

Two events that occurred in 2017 gained places in the chart below showing the 10 most significant floods based on National Flood Insurance Program (NFIP) payouts as of July 31, 2018. Hurricane Harvey ranks as the second most significant U.S. flood event, as about 76,000 NFIP policyholders filed claims. FEMA has paid $8.8 billion to those policyholders. Flooding from Hurricane Irma ranks at number 9, with about 22,000 policyholders filing claims, and $1 billion in payments. The figures below are preliminary, as claims are still being processed, and do not include payouts from Hurricane Florence in September 2018 or Hurricane Michael in October.

 
Top 10 Most Significant Flood Events By National Flood Insurance Program Payouts (1)

 

Rank Date Event Location Number of
paid losses		 Amount paid
($ millions)		 Average
paid loss
1 Aug. 2005 Hurricane Katrina AL, FL, GA, LA, MS, TN 166,789 $16,258 $97,475
2 Sep. 2017 Hurricane Harvey AL, AR, FL, GA, KY, LA, MS, NC, TX 75,865 8,757 115,430
3 Oct. 2012 Superstorm Sandy CT, DC, DE, MA, MD, ME, NC, NH,
NJ, NY, OH, PA, RI, VA, VT, WV		 132,058 8,753 66,280
4 Sep. 2008 Hurricane Ike AR, IL, IN, KY, LA, MO, OH, PA, TX 46,684 2,700 57,837
5 Aug. 2016 Louisiana severe storms
and flooding		 LA 26,909 2,456 91,260
6 Sep. 2004 Hurricane Ivan AL, DE, FL, GA, LA, MD, MS, NJ, NY,
NC, OH, PA, TN, VA, WV		 28,153 1,607 57,098
7 Aug. 2011 Hurricane Irene CT, DC, DE, MA, MD, ME, NC, NH,
NJ, NY, PA, RI, VA, VT		 44,306 1,345 30,366
8 Jun. 2001 Tropical Storm Allison FL, LA, MS, NJ, PA, TX 30,671 1,105 36,028
9 Sep. 2017 Hurricane Irma FL, GA, SC 21,824 1,030 47,202
10 Oct. 2016 Hurricane Matthew FL, GA, NC, SC, VA 16,547 649 39,249

(1) Includes events from 1978 to July 31, 2018, as of October 5, 2018. Defined by the National Flood Insurance Program as an event that produces at least 1,500 paid losses. Stated in dollars when occurred.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency; U.S. Department of Commerce, National Oceanic and Atmospheric Administration, National Hurricane Center.

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At the end of 2017, the Federal Emergency Management Agency (FEMA) said that the 2017 extremely active hurricane season spawned 17 named storms, of which 10 became hurricanes. Six of those hurricanes were classified as major storms—category 3 and above. Two major hurricanes were the first to hit the continental United States in 12 years—Harvey and Irma. In addition, Maria devastated Puerto Rico. The NFIP paid out over $8 billion in flood insurance claims from those storms and other floods to date.

 
Coastal State Storm Surge Risk

About 6.9 million coastal homes along the Gulf and Atlantic coasts, worth more than $1.6 trillion, are at risk for storm surge damage, according to a CoreLogic report. The report found that reconstruction costs for homes in 2018 increased 6.6 percent from a year ago, mirroring increased regional construction, equipment, and labor costs. The Atlantic Coast has more than 3.9 million homes at risk of storm surge with reconstruction cost values of more than $1 trillion, up by about $30 billion from 2017. Three million Gulf Coast homes with the same risk have more than $609 billion in potential exposure to storm surge damage, representing a $16 billion increase compared to 2017. The reconstruction cost is based on the 100 percent destruction of the residential structure, using a combined cost of construction materials, equipment and labor costs by geographic location. In the following charts, the low-risk category reflects a low probability of a Category 5 hurricane striking the area.

 
Storm Surge Risk By State By Number Of Homes and Reconstruction Value, 2018 (1)

 

    By number of single-family homes
Rank State Extreme Very high High Moderate Low (2)
1 Florida 351,093 1,064,674 1,752,603 2,292,791 2,774,175
2 Louisiana 72,256 207,442 624,521 747,111 817,480
3 Texas 39,109 117,558 253,947 384,944 543,847
4 New Jersey 95,659 278,539 382,065 471,353 (3)
5 New York 75,238 224,558 347,236 462,380 (3)
6 Virginia 26,960 94,378 246,824 366,478 409,129
7 South Carolina 35,934 126,997 209,026 294,239 347,030
8 North Carolina 32,282 95,286 160,831 210,233 259,718
9 Massachusetts 11,048 46,558 102,189 157,898 (3)
10 Georgia 8,887 50,409 105,735 141,518 152,559
11 Maryland 17,824 60,553 99,056 125,417 (3)
12 Mississippi 9,261 30,353 60,620 90,010 101,720
13 Pennsylvania 932 20,815 56,830 83,808 (3)
14 Connecticut 7,167 28,497 46,618 67,207 (3)
15 Alabama 6,379 17,306 32,331 44,744 57,973
16 Delaware 8,901 24,649 40,048 56,418 (3)
17 Rhode Island 1,876 8,153 17,312 26,484 (3)
18 Maine 5,645 7,960 11,851 18,150 (3)
19 New Hampshire 284 4,551 7,446 9,753 (3)
  Total homes potentially affected 806,735 2,509,236 4,557,089 6,050,936 6,942,499
    By reconstruction value (4)
($ millions)
Rank State Extreme Very high High Moderate Low (2)
1 Florida $68,993 $214,615 $353,434 $458,546 $552,418
2 New York 29,069 92,193 142,654 190,524 (3)
3 Louisiana 15,058 44,362 141,431 169,398 186,089
4 New Jersey 27,211 83,141 116,379 146,074 (3)
5 Texas 6,545 20,281 46,590 73,690 103,258
6 Virginia 6,889 23,533 57,148 84,231 95,057
7 South Carolina 10,366 33,690 52,352 70,363 80,775
8 North Carolina 6,503 19,557 33,348 43,888 54,356
9 Massachusetts 2,980 13,364 29,309 46,443 (3)
10 Georgia 2,740 13,213 24,703 31,745 33,764
11 Maryland 4,349 14,484 23,474 29,807 (3)
12 Connecticut 2,559 9,609 15,453 22,112 (3)
13 Mississippi 1,977 6,157 11,914 17,373 19,558
14 Pennsylvania 216 4,664 13,121 19,445 (3)
15 Delaware 2,636 7,021 11,464 16,078 (3)
16 Alabama 1,204 3,124 5,790 7,962 10,140
17 Rhode Island 529 2,408 5,094 7,809 (3)
18 Maine 1,281 1,914 2,960 4,634 (3)
19 New Hampshire 64 933 1,721 2,312 (3)
  Total homes potentially affected $191,171 $608,264 $1,088,339 $1,442,436 $1,620,653

(1) The risk categories are cumulative and increase in value from extreme to low. Extreme risk signals the higher risk of damage from a weak hurricane, while low risk includes up to Category 5 hurricanes that are the least likely to occur but will cause more storm surge damage inland.
(2) The low-risk category refers to Category 5 hurricanes, which are not common along the northeastern Atlantic Coast.
(3) Storm surge risk in the low category for homes on the northeastern Atlantic Coast is not shown due to the extremely low probability of a Category 5 storm affecting these areas.
(4) Represents the cost to completely rebuild including labor and materials by geographic location.

Source: CoreLogic, Inc., a data and analytics company.

 
Top 15 Metropolitan Areas By Storm Surge Risk, 2018 (1)

Rank Metropolitan area Number of homes at risk of storm surge Reconstruction value (2) ($ millions)
1 Miami, FL 788,679 $156,109.6
2 New York, NY 726,048 277,316.5
3 Tampa, FL 459,082 79,154.9
4 New Orleans, LA 395,975 95,278.1
5 Virginia Beach, VA 389,938 90,904.8
6 Fort Myers, FL 318,950 63,465.1
7 Houston, TX 284,622 57,652.7
8 Bradenton, FL 254,535 49,231.4
9 Naples, FL 186,100 39,684.0
10 Jacksonville, FL 171,332 38,495.4
11 Philadelphia, PA 165,300 41,317.6
12 Charleston, SC 149,900 37,938.3
13 Myrtle Beach, SC 128,155 22,792.7
14 Boston, MA 126,263 34,937.3
15 Beaumont, TX 121,379 21,026.7
  Total, 15 metropolitan areas 4,666,258 $1,105,305.0

(1) Includes homes at risk from extreme to low storm surge.
(2) Represents the cost to completely rebuild including labor and materials by geographic location.

Source: CoreLogic, Inc., a data and analytics company.

 
Private flood insurance

Flood insurance had long been considered an untouchable risk by private insurers because they did not have a reliable way of measuring flood risk. In recent years insurers have become increasingly comfortable with using sophisticated models to underwrite insurance risk, and modeling firms are getting better at predicting flood risk.

In 2017 direct premiums written for private flood insurance totaled $589 million, up 57 percent from $376 million in 2016, according to S&P Global Market Intelligence. The number of private companies writing flood insurance increased to 33 in 2017 from 20 in 2016.

 
Top 10 Writers of Private Flood Insurance By Direct Premiums Written, 2017 (1)

($000)

Rank Group/company Direct premiums written (2) Market share (3)
1 FM Global $237,334 40.3%
2 Assurant Inc. 89,901 15.3
3 Zurich Insurance Group (4) 62,749 10.7
4 American International Group (AIG) 58,233 9.9
5 Swiss Re AG 26,336 4.5
6 Berkshire Hathaway Inc. 17,120 2.9
7 Liberty Mutual 15,460 2.6
8 Alleghany Corp. 13,197 2.2
9 MAPFRE SA 13,103 2.2
10 Allianz 11,705 2.0
  Total, all insurers $589,147 100.0%

(1) Private flood includes both commercial and private residential coverage, primarily first-dollar standalone policies that cover the flood peril and excess flood. Excludes sewer/water backup and the crop flood peril.
(2) Before reinsurance transactions.
(3) Based on U.S. total, includes territories.
(4) Data for Farmers Insurance Group of Companies and Zurich Financial Group (which owns Farmers' management company) are reported separately by S&P Global Market Intelligence.

Source: NAIC data, sourced from S&P Global Market Intelligence, Insurance Information Institute.

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National Flood Insurance Program, 1980-2017

 

    Losses paid  
Year Policies in force
at year-end		 Number Amount ($000) Average paid flood claim
1980 2,103,851 41,918 $230,414 $5,497
1985 2,016,785 38,676 368,239 9,521
1990 2,477,861 14,766 167,897 11,371
1995 3,476,829 62,441 1,295,578 20,749
2000 4,369,087 16,362 251,721 15,384
2005 4,962,011 213,593 17,770,443 83,198
2009 5,700,235 31,034 779,974 25,133
2010 5,645,436 29,164 773,706 26,529
2011 5,646,144 78,236 2,429,440 31,053
2012 5,620,017 151,849 9,516,995 62,674
2013 5,568,642 18,118 492,542 27,185
2014 5,406,725 12,907 380,222 29,459
2015 5,205,094 25,798 1,028,338 39,861
2016 5,081,470 59,332 3,693,244 62,247
2017 5,047,602 95,235 8,736,386 91,735

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

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  • As of July 31 , 2018, there were about 76,000 paid losses from Hurricane Harvey and the average paid loss was $115,430. This compares with Hurricane Katrina which had 167,000 paid losses, at an average of $97,500 per loss.
  • In 2017 the average amount of flood coverage was $252,261, and the average premium was $707.
  • The average flood claim in 2017, the year of Hurricanes Harvey, Irma and Maria, was $91,735, up from $62,247 in 2016.
  • NFIP earned premiums rose 7.0 percent to $3.57 billion in 2017 from $3.33 billion in 2016.

 
National Flood Insurance Plan Policies By State, 2017 (1)

 

  Direct NFIP business WYO business Total NFIP/WYO
State Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)		 Number of
policies		 Insurance
in force (2)
($ millions)
Alabama 9,925 $2,132.6 45,213 $10,711.2 55,138 $12,843.8
Alaska 601 146.9 1,856 514.9 2,457 661.9
Arizona 5,503 1,316.8 26,742 6,731.7 32,245 8,048.5
Arkansas 3,174 506.4 13,503 2,530.3 16,677 3,036.7
California 38,581 10,746.0 201,324 58,044.6 239,905 68,790.6
Colorado 3,697 911.9 17,360 4,504.2 21,057 5,416.1
Connecticut 2,158 529.4 36,334 9,269.0 38,492 9,798.5
Delaware 4,363 1,176.5 22,400 5,850.4 26,763 7,026.9
D.C. 138 37.7 1,898 453.1 2,036 490.9
Florida 125,291 33,159.6 1,633,761 401,289.3 1,759,052 434,448.9
Georgia 16,201 4,037.3 72,602 19,308.2 88,803 23,345.5
Hawaii 2,473 584.1 58,156 13,301.8 60,629 13,886.0
Idaho 1,325 342.2 6,616 1,740.2 7,941 2,082.4
Illinois 10,819 1,930.4 30,193 6,110.7 41,012 8,041.1
Indiana 4,966 826.5 17,955 3,708.2 22,921 4,534.8
Iowa 2,441 390.4 10,335 2,231.4 12,776 2,621.9
Kansas 2,111 356.9 7,562 1,530.3 9,673 1,887.3
Kentucky 3,526 507.8 17,490 3,088.6 21,016 3,596.4
Louisiana 125,014 30,552.2 373,257 98,142.0 498,271 128,694.1
Maine 596 123.9 7,799 1,883.6 8,395 2,007.5
Maryland 6,064 1,553.3 60,773 14,364.4 66,837 15,917.7
Massachusetts 4,425 1,001.8 58,994 15,215.6 63,419 16,217.3
Michigan 3,962 601.8 16,768 3,280.6 20,730 3,882.4
Minnesota 1,589 353.8 7,600 1,856.1 9,189 2,209.9
Mississippi 13,675 3,253.9 50,697 12,437.3 64,372 15,691.2
Missouri 4,082 642.0 17,236 3,496.4 21,318 4,138.3
Montana 786 161.9 4,088 855.4 4,874 1,017.2
Nebraska 2,054 338.5 7,359 1,473.3 9,413 1,811.8
Nevada 2,354 569.6 9,949 2,653.1 12,303 3,222.7
New Hampshire 574 122.6 7,674 1,712.2 8,248 1,834.8
New Jersey 16,190 3,634.3 210,398 52,875.8 226,588 56,510.1
New Mexico 2,075 398.5 10,774 2,282.5 12,849 2,681.0
New York 18,100 4,606.9 163,209 44,899.8 181,309 49,506.8
North Carolina 15,807 3,746.4 118,139 29,615.3 133,946 33,361.7
North Dakota 1,724 468.1 8,806 2,413.4 10,530 2,881.5
Ohio 6,225 936.8 27,070 5,250.5 33,295 6,187.3
Oklahoma 3,219 601.8 10,485 2,275.8 13,704 2,877.6
Oregon 5,795 1,412.6 22,566 5,727.2 28,361 7,139.8
Pennsylvania 8,698 1,460.7 49,837 10,774.9 58,535 12,235.6
Rhode Island 492 125.9 13,317 3,490.3 13,809 3,616.2
South Carolina 24,247 6,534.6 179,111 46,589.9 203,358 53,124.5
South Dakota 615 131.9 2,981 667.2 3,596 799.2
Tennessee 5,123 1,214.7 24,327 5,925.8 29,450 7,140.5
Texas 115,625 30,893.2 548,553 152,233.6 664,178 183,126.8
Utah 564 135.2 3,393 888.8 3,957 1,023.9
Vermont 320 59.0 3,400 771.3 3,720 830.2
Virginia 16,856 4,290.1 89,602 23,450.6 106,458 27,740.6
Washington 5,375 1,256.2 31,456 8,179.3 36,831 9,435.4
West Virginia 4,325 502.7 11,238 1,835.3 15,563 2,338.0
Wisconsin 1,743 293.6 10,742 2,153.2 12,485 2,446.9
Wyoming 403 99.6 1,681 439.3 2,084 538.8
Guam 114 22.4 83 17.6 197 40.0
Puerto Rico 99 13.7 4,985 784.7 5,084 798.3
Virgin Islands 271 53.2 1,128 223.4 1,399 276.6
United States (3) 656,473 $161,806.8 4,390,778 $1,112,054.3 5,047,251 $1,273,861.1

(1) Direct and Write Your Own (WYO) business may not add to total due to rounding.
(2) Total limits of liability for all policies in force.
(3) Includes WYO policies written in unknown areas.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

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Flood Insurance Policies In Force By Occupancy Type, 2018 (1)

 

flood_ins_pol_in_force_by_occ_type_17.gif

Flood Insurance Policies In Force By Occupancy Type, 2017

(1) As of July 31, 2018.

Source: Federal Emergency Management Agency (FEMA).

View Archived Graphs

 
National Flood Insurance Program Payouts, 2016 (1)

 

State name Total number of claims Total claim payments
($ millions)
Alabama  407 $8.51
Alaska 8 0.08
Arizona 110 0.49
Arkansas 446 10.36
California 337 4.59
Colorado 55 0.10
Connecticut 28 0.07
Delaware 176 1.32
D.C. 15 0.01
Florida 3,310 17.02
Georgia 675 10.08
Hawaii 86 0.82
Idaho 10 0.02
Illinois 475 4.96
Indiana 111 0.54
Iowa 549 0.49
Kansas 177 1.78
Kentucky 49 1.43
Louisiana 35,155 804.89
Maine 13 0.07
Maryland 257 3.27
Massachusetts 39 0.18
Michigan 123 0.26
Minnesota 112 0.57
Mississippi 919 20.04
Missouri 1,726 72.07
Montana 8 0.00
Nebraska 100 0.19
Nevada 12 0.07
New Hampshire 11 0.04
New Jersey 1,702 26.05
New Mexico 34 0.11
New York 233 0.99
North Carolina 1,336 9.44
North Dakota 3 0.00
Ohio 81 0.52
Oklahoma 282 10.11
Oregon 255 5.81
Pennsylvania 172 1.56
Rhode Island 5 0.01
South Carolina 5,643 139.81
South Dakota 5 0.09
Tennessee 234 2.72
Texas 16,024 696.03
Utah 10 0.02
Vermont 5 0.01
Virginia 228 4.36
Washington 435 7.02
West Virginia 1,131 35.02
Wisconsin 102 0.42
Wyoming 9 0.06
Guam 0 0.00
Puerto Rico 14 0.11
Virgin Islands 2 0.02
Total U.S. 73,444 $1,904.62

(1) October 1, 2015 through September 30, 2016.
Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

View Archived Tables

  • NFIP flood insurance payouts were highest in Louisiana in 2016, followed by Texas, South Carolina, Missouri and West Virginia. 
    New Jersey, Mississippi, Florida, Arkansas and Oklahoma round out the top 10.

 
Coastal Flood Insurance

 
National Flood Insurance Policies in Force in Florida by County, 2017 (1)

 

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Alachua County 2,681 $516,706,500 $147,628,300 $664,334,800 114,596 259,964 2%
Baker County 147 22,599,900 7,065,900 29,665,800 9,623 27,420 2
Bay County 32,997 6,548,160,500 1,227,704,600 7,775,865,100 100,697 181,635 33
Bradford County 443 74,039,000 14,613,100 88,652,100 10,870 26,928 4
Brevard County 48,061 9,766,919,600 2,769,278,200 12,536,197,800 273,096 568,088 18
Broward County 209,133 42,939,894,000 9,163,439,200 52,103,333,200 818,623 1,896,425 26
Calhoun County 106 16,105,600 3,609,700 19,715,300 5,910 14,462 2
Charlotte County 34,110 7,087,650,300 1,443,932,300 8,531,582,600 101,775 173,115 34
Citrus County 5,651 982,519,700 221,839,900 1,204,359,600 77,726 141,058 7
Clay County 5,579 1,171,790,100 408,650,600 1,580,440,700 78,179 203,967 7
Collier County 97,211 20,275,285,300 3,639,306,900 23,914,592,200 206,375 357,305 47
Columbia County 790 131,553,900 36,123,800 167,677,700 28,273 68,348 3
DeSoto County 393 63,656,100 17,472,500 81,128,600 14,788 35,458 3
Dixie County 463 57,454,500 6,911,300 64,365,800 9,130 16,203 5
Duval County 33,072 7,142,747,200 2,358,654,800 9,501,402,000 398,541 913,010 8
Escambia County 19,512 4,069,032,400 1,002,612,600 5,071,645,000 139,055 311,003 14
Flagler County 10,893 2,351,834,100 607,608,500 2,959,442,600 50,044 105,392 22
Franklin County 2,816 614,411,800 123,171,900 737,583,700 8,554 11,761 33
Gadsden County 159 39,286,600 10,658,900 49,945,500 19,383 46,036 1
Gilchrist County 262 35,177,700 5,803,200 40,980,900 7,227 17,199 4
Glades County 266 37,592,900 10,316,100 47,909,000 6,803 13,670 4
Gulf County 1,508 309,467,100 82,893,700 392,360,800 9,245 15,871 16
Hamilton County 63 8,170,300 2,172,900 10,343,200 5,687 14,295 1
Hardee County 96 15,700,700 4,021,400 19,722,100 9,600 27,502 1
Hendry County 1,366 225,634,200 72,201,800 297,836,000 14,339 39,119 10
Hernando County 3,711 677,614,800 205,337,900 882,952,700 84,801 178,439 4
Highlands County 892 159,629,800 47,859,400 207,489,200 54,822 99,491 2
Hillsborough County 62,443 13,126,183,400 3,346,960,700 16,473,144,100 560,454 1,349,050 11
Holmes County 102 13,861,000 4,717,300 18,578,300 8,558 19,324 1
Indian River County 21,335 4,474,747,200 1,175,227,400 5,649,974,600 77,900 147,919 27
Jackson County 123 20,863,100 6,351,400 27,214,500 20,774 48,599 1
Jefferson County 87 13,665,100 4,260,800 17,925,900 6,580 14,081 1
Lafayette County 142 19,031,200 2,281,700 21,312,900 3,297 8,663 4
Lake County 3,653 680,525,500 214,387,500 894,913,000 148,706 325,875 2
Lee County 129,521 26,334,584,300 4,799,022,600 31,133,606,900 379,018 701,982 34
Leon County 3,446 701,513,900 205,030,100 906,544,000 127,601 286,272 3
Levy County 1,056 146,948,000 24,029,900 170,977,900 19,810 39,832 5
Liberty County 21 2,559,900 715,900 3,275,800 3,317 8,331 1
Madison County 91 12,364,100 3,100,200 15,464,300 8,421 18,408 1
Manatee County 37,067 7,500,398,400 1,706,108,800 9,206,507,200 182,119 363,369 20
Marion County 3,909 665,082,900 175,507,200 840,590,100 163,808 343,254 2
Martin County 16,960 3,526,525,800 986,032,400 4,512,558,200 79,239 156,283 21
Miami-Dade County 342,441 66,807,120,600 9,630,605,300 76,437,725,900 1,010,556 2,693,117 34
Monroe County 30,185 6,515,056,700 863,852,400 7,378,909,100 52,985 77,482 57
Nassau County 10,525 2,312,820,700 663,528,000 2,976,348,700 36,450 78,444 29
Okaloosa County 20,401 4,038,668,800 881,742,100 4,920,410,900 95,494 198,664 21
Okeechobee County 1,601 264,681,900 69,951,900 334,633,800 18,155 39,469 9
Orange County 14,057 2,762,723,400 887,409,700 3,650,133,100 516,477 1,288,126 3
Osceola County 8,220 1,584,723,500 437,329,900 2,022,053,400 137,090 323,993 6
Palm Beach County 151,824 31,894,840,500 7,452,952,100 39,347,792,600 679,026 1,422,789 22
Pasco County 24,435 4,413,979,800 1,044,897,600 5,458,877,400 234,450 497,909 10
Pinellas County 127,567 24,833,449,600 3,827,178,600 28,660,628,200 505,353 949,827 25
Polk County 8,361 1,514,528,600 451,527,900 1,966,056,500 284,342 650,092 3
Putnam County 1,322 203,791,300 51,315,700 255,107,000 36,528 72,023 4
Santa Rosa County 13,396 2,932,113,200 981,020,500 3,913,133,700 68,574 167,040 20
Sarasota County 60,883 12,448,583,800 2,781,223,500 15,229,807,300 232,623 405,549 26
Seminole County 6,904 1,438,037,400 453,287,000 1,891,324,400 186,619 449,144 4
St. Johns County 34,700 7,227,788,900 2,030,660,500 9,258,449,400 99,469 226,640 35
St. Lucie County 19,344 3,755,372,000 843,479,600 4,598,851,600 138,071 298,563 14
Sumter County 3,350 614,347,400 231,212,000 845,559,400 66,850 118,891 5
Suwannee County 579 87,901,300 25,021,400 112,922,700 18,801 43,760 3
Taylor County 524 71,827,700 13,517,800 85,345,500 10,852 22,493 5
Union County 56 8,108,300 2,634,400 10,742,700 4,459 15,234 1
Volusia County 45,003 8,553,627,200 1,711,442,200 10,265,069,400 256,967 517,887 18
Wakulla County 1,374 240,856,100 51,420,800 292,276,900 12,892 31,535 11
Walton County 18,185 3,934,510,700 922,062,100 4,856,572,800 48,751 63,508 37
Washington County 115 16,378,700 4,671,000 21,049,700 10,659 24,687 1
Total 1,737,689 $351,055,326,500 $72,608,567,300 $423,663,893,800 9,209,857 20,271,272 19%

(1) As of May, 2017.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

 
National Flood Insurance Policies in Force in Georgia by County, 2017 (1)

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Appling County 78 $9,250,300 $1,974,700 $11,225,000 8,396 18,454 1%
Atkinson County 3 275,000 20,000 295,000 3,445 8,398 (2)
Bacon County 3 537,000 200,000 737,000 4,726 11,299 (2)
Baker County 31 3,610,000 730,000 4,340,000 1,623 3,180 2
Baldwin County 89 21,960,200 3,286,100 25,246,300 20,196 45,459 (2)
Banks County 7 860,500 331,200 1,191,700 7,528 18,495 (2)
Barrow County 80 13,571,500 4,217,200 17,788,700 27,241 75,370 (2)
Bartow County 171 32,726,000 10,602,400 43,328,400 39,945 102,747 (2)
Ben Hill County 47 6,723,600 2,132,400 8,856,000 7,876 17,403 1
Berrien County 61 6,888,000 1,187,800 8,075,800 8,618 18,963 1
Bibb County 350 67,359,800 21,712,100 89,071,900 70,267 153,721 (2)
Bleckley County 9 740,000 260,000 1,000,000 5,274 12,243 (2)
Brantley County 65 9,062,700 2,663,400 11,726,100 7,888 18,455 1
Brooks County 28 3,849,000 1,180,000 5,029,000 7,642 15,658 (2)
Bryan County 4,886 1,098,521,000 292,209,100 1,390,730,100 13,278 35,137 37
Bulloch County 424 80,518,400 21,177,000 101,695,400 30,197 72,651 1
Burke County 25 3,413,600 870,300 4,283,900 9,835 22,745 (2)
Butts County 134 25,334,700 8,763,700 34,098,400 9,269 23,593 1
Calhoun County 7 853,300 30,000 883,300 2,376 6,479 (2)
Camden County 3,656 777,894,200 219,954,100 997,848,300 21,467 52,102 17
Candler County 21 2,705,700 151,100 2,856,800 4,683 10,886 (2)
Carroll County 170 34,642,100 12,183,500 46,825,600 44,735 114,545 (2)
Catoosa County 361 52,070,900 12,863,500 64,934,400 26,882 66,050 1
Charlton County 27 4,460,300 1,384,000 5,844,300 4,401 12,965 1
Chatham County 28,863 6,191,515,700 1,832,962,800 8,024,478,500 123,669 286,956 23
Chattahoochee County 2 550,000 520,000 1,070,000 3,336 11,368 (2)
Chattooga County 38 5,483,900 2,180,300 7,664,200 10,863 24,922 (2)
Cherokee County 389 85,452,500 28,463,900 113,916,400 87,486 235,900 (2)
Clarke County 263 50,136,300 11,645,700 61,782,000 52,221 123,912 1
Clay County 2 650,000 260,000 910,000 2,078 3,141 (2)
Clayton County 532 97,675,400 25,164,100 122,839,500 104,719 273,955 1
Clinch County 53 4,699,200 807,100 5,506,300 2,959 6,893 2
Cobb County 3,364 688,280,400 198,389,100 886,669,500 295,622 741,334 1
Coffee County 49 9,437,000 2,402,600 11,839,600 16,890 43,108 (2)
Colquitt County 105 16,066,000 4,202,300 20,268,300 18,308 45,844 1
Columbia County 756 156,489,400 50,711,900 207,201,300 54,554 144,052 1
Cook County 134 13,472,700 2,070,200 15,542,900 7,241 17,124 2
Coweta County 205 40,316,700 15,270,500 55,587,200 52,660 138,427 (2)
Crawford County 4 673,000 260,000 933,000 5,246 12,388 (2)
Crisp County 299 55,794,300 8,917,200 64,711,500 10,690 22,881 3
Dade County 34 5,227,300 784,100 6,011,400 7,252 16,264 (2)
Dawson County 42 8,214,800 2,470,000 10,684,800 10,747 23,312 (2)
Decatur County 304 58,176,100 8,449,600 66,625,700 12,114 27,174 3
DeKalb County 3,448 675,626,600 162,084,600 837,711,200 308,118 734,871 1
Dodge County 10 1,335,000 305,000 1,640,000 9,715 20,882 (2)
Dooly County 34 4,747,500 1,071,200 5,818,700 6,202 14,035 1
Dougherty County 1,493 244,040,400 52,859,700 296,900,100 40,701 91,332 4
Douglas County 265 52,477,600 17,378,200 69,855,800 52,012 140,733 1
Early County 30 3,240,700 1,210,400 4,451,100 4,907 10,575 1
Echols County 2 96,000 12,000 108,000 1,529 4,040 (2)
Effingham County 868 158,474,100 55,958,100 214,432,200 20,955 57,106 4
Elbert County 6 865,500 250,000 1,115,500 9,490 19,364 (2)
Emanuel County 18 2,355,100 388,100 2,743,200 9,852 22,708 (2)
Evans County 10 1,167,900 60,000 1,227,900 4,635 10,787 (2)
Fannin County 354 68,278,300 17,324,100 85,602,400 16,716 24,303 2
Fayette County 470 93,678,400 27,250,100 120,928,500 41,613 110,714 1
Floyd County 395 64,881,500 13,885,000 78,766,500 40,410 96,504 1
Forsyth County 420 86,420,700 30,439,400 116,860,100 74,095 212,438 1
Franklin County 3 587,500 180,000 767,500 10,446 22,311 (2)
Fulton County 3,783 771,505,200 215,183,600 986,688,800 455,996 1,010,562 1
Gilmer County 318 63,396,700 19,245,500 82,642,200 16,706 29,400 2
Glynn County 15,102 3,167,430,000 766,297,100 3,933,727,100 42,053 83,579 36
Gordon County 152 27,767,100 8,151,300 35,918,400 22,265 56,574 1
Grady County 22 3,809,000 1,263,000 5,072,000 10,673 25,205 (2)
Greene County 20 4,280,000 1,580,100 5,860,100 9,181 16,710 (2)
Gwinnett County 1,539 321,026,500 94,888,700 415,915,200 301,824 895,823 1
Habersham County 84 17,271,800 5,014,800 22,286,600 18,089 43,996 (2)
Hall County 174 31,151,400 9,970,800 41,122,200 70,107 193,535 (2)
Hancock County 9 1,516,400 330,500 1,846,900 5,271 8,551 (2)
Haralson County 13 1,953,500 465,600 2,419,100 12,232 28,854 (2)
Harris County 137 29,130,900 8,659,000 37,789,900 13,772 33,381 1
Hart County 16 3,706,500 1,080,400 4,786,900 12,936 25,534 (2)
Heard County 7 757,000 168,000 925,000 5,097 11,539 (2)
Henry County 496 100,312,800 34,648,700 134,961,500 78,469 217,739 1
Houston County 502 94,241,400 28,942,400 123,183,800 61,023 150,033 1
Irwin County 4 532,000 140,000 672,000 4,016 9,245 (2)
Jackson County 30 5,794,900 2,217,800 8,012,700 23,930 63,360 (2)
Jasper County 71 12,976,500 3,505,400 16,481,900 6,264 13,635 1
Jeff Davis County 26 4,585,100 518,100 5,103,200 6,396 14,920 (2)
Jefferson County 10 958,000 340,000 1,298,000 7,224 16,106 (2)
Jenkins County 23 2,290,800 545,000 2,835,800 4,166 8,957 1
Johnson County 2 60,000 12,000 72,000 4,055 9,656 (2)
Jones County 47 10,043,900 3,002,200 13,046,100 11,562 28,494 (2)
Lamar County 7 1,165,000 442,000 1,607,000 7,500 18,201 (2)
Lanier County 22 2,585,900 427,000 3,012,900 4,291 10,312 1
Laurens County 52 7,631,400 2,896,100 10,527,500 21,247 47,731 (2)
Lee County 311 58,133,100 17,397,300 75,530,400 10,848 29,202 3
Liberty County 1,876 353,273,500 97,146,900 450,420,400 27,365 62,467 7
Lincoln County 6 911,500 265,400 1,176,900 4,775 7,673 (2)
Long County 172 32,524,900 10,905,700 43,430,600 6,347 17,731 3
Lowndes County 353 64,734,200 18,608,900 83,343,100 45,933 112,865 1
Lumpkin County 38 7,372,300 1,875,800 9,248,100 13,126 31,408 (2)
Macon County 16 1,907,200 1,177,800 3,085,000 6,032 13,632 (2)
Madison County 7 1,161,100 472,000 1,633,100 11,749 28,441 (2)
McDuffie County 11 2,115,000 897,400 3,012,400 9,233 21,540 (2)
McIntosh County 853 178,596,800 42,064,600 220,661,400 9,281 13,969 9
Meriwether County 7 1,095,000 438,000 1,533,000 9,902 21,190 (2)
Miller County 33 4,142,400 1,417,000 5,559,400 2,743 5,854 1
Mitchell County 219 26,697,700 5,755,200 32,452,900 8,915 22,574 2
Monroe County 91 17,940,600 4,984,000 22,924,600 10,993 27,103 1
Montgomery County 21 1,434,000 268,800 1,702,800 3,882 8,951 1
Morgan County 39 7,434,100 1,668,100 9,102,200 7,526 18,046 1
Murray County 45 7,118,400 2,189,500 9,307,900 15,732 39,565  
Muscogee County 871 171,306,500 35,033,100 206,339,600 84,274 200,579 1
Newton County 148 28,785,100 10,027,800 38,812,900 38,467 105,473 (2)
Oconee County 62 12,384,300 4,437,500 16,821,800 13,418 35,965 (2)
Oglethorpe County 9 1,359,300 462,000 1,821,300 6,490 14,871 (2)
Paulding County 206 40,163,100 12,790,500 52,953,600 53,948 152,238 (2)
Peach County 27 5,412,200 1,658,500 7,070,700 11,401 26,720 (2)
Pickens County 52 8,590,400 3,256,800 11,847,200 13,705 30,309 (2)
Pierce County 34 6,327,900 1,664,900 7,992,800 7,967 19,103 (2)
Pike County 5 1,150,000 360,000 1,510,000 6,828 17,941 (2)
Polk County 182 21,652,100 3,389,200 25,041,300 16,907 41,524 1
Pulaski County 26 3,586,500 618,300 4,204,800 5,138 11,396 1
Putnam County 108 16,986,200 3,539,900 20,526,100 12,720 21,353 1
Quitman County 1 250,000 100,000 350,000 2,001 2,302 (2)
Rabun County 153 33,125,200 7,719,200 40,844,400 12,478 16,281 1
Randolph County 2 432,700 150,000 582,700 4,087 7,193 (2)
Richmond County 1,024 174,952,500 45,531,400 220,483,900 87,612 201,793 1
Rockdale County 129 24,768,300 9,170,000 33,938,300 33,375 88,856 (2)
Screven County 26 3,849,500 1,055,500 4,905,000 6,631 14,162 (2)
Seminole County 161 21,997,900 3,990,400 25,988,300 4,770 8,647 3
Spalding County 118 19,463,700 6,519,600 25,983,300 27,063 64,051 (2)
Stephens County 57 7,368,900 1,862,600 9,231,500 12,489 25,586 (2)
Stewart County 1 125,000 50,000 175,000 2,327 5,851 (2)
Sumter County 145 24,020,100 4,221,600 28,241,700 13,818 30,779 1
Talbot County 7 959,000 290,400 1,249,400 3,359 6,337 (2)
Tattnall County 35 3,912,100 1,038,800 4,950,900 9,837 25,229 (2)
Taylor County 8 1,375,000 550,000 1,925,000 4,491 8,330 (2)
Telfair County 10 1,065,300 164,700 1,230,000 7,189 16,400 (2)
Terrell County 8 1,050,700 324,800 1,375,500 4,147 9,113 (2)
Thomas County 216 38,884,800 11,879,900 50,764,700 20,359 45,063 1
Tift County 226 34,557,400 9,684,800 44,242,200 16,403 40,764 1
Toombs County 56 7,927,400 1,988,900 9,916,300 12,077 27,241 (2)
Towns County 74 13,325,400 3,534,600 16,860,000 7,968 11,182 1
Treutlen County 1 108,000 20,000 128,000 2,974 6,785 (2)
Troup County 139 26,993,700 11,182,400 38,176,100 28,314 69,763 (2)
Turner County 12 1,183,200 163,000 1,346,200 3,857 8,214 (2)
Twiggs County 2 200,000 80,000 280,000 4,173 8,390 (2)
Union County 116 20,835,600 3,447,600 24,283,200 14,315 22,267 1
Upson County 24 3,354,700 1,146,700 4,501,400 12,088 26,368 (2)
Walker County 213 27,047,200 5,565,600 32,612,800 30,097 68,066 1
Walton County 181 33,384,700 10,858,000 44,242,700 32,736 88,399 1
Ware County 172 28,170,400 6,820,500 34,990,900 16,447 35,370 1
Warren County 3 950,000 280,000 1,230,000 2,938 5,460 (2)
Washington County 26 2,230,900 812,300 3,043,200 9,087 20,816 (2)
Wayne County 77 12,590,600 3,625,100 16,215,700 12,097 29,534 1
Wheeler County 10 766,600 57,700 824,300 2,588 7,903 (2)
White County 163 31,816,200 5,550,600 37,366,800 15,986 28,319 1
Whitfield County 186 38,011,000 9,669,600 47,680,600 39,637 104,216 (2)
Wilcox County 6 691,000 132,000 823,000 3,474 8,857 (2)
Wilkes County 2 75,000 50,000 125,000 5,140 9,867 (2)
Wilkinson County 2 253,300 56,700 310,000 4,428 9,155 (2)
Worth County 110 18,197,300 5,013,300 23,210,600 9,170 20,699 1
Total 86,395 17,636,856,700 4,865,735,200 22,502,591,900 4,171,856 10,193,579 2%

(1) As of May, 2017.
(2) Less than 0.5 percent.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

 
National Flood Insurance Policies in Force in North Carolina by County, 2017 (1)

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Alamance County 329 $57,716,500 $17,254,500 $74,971,000 68,493 158,276 (2)
Alexander County 31 6,142,900 2,308,100 8,451,000 16,163 37,325 (2)
Alleghany County 18 3,041,300 870,000 3,911,300 8,136 10,837 (2)
Anson County 7 1,525,000 527,200 2,052,200 11,507 25,759 (2)
Ashe County 175 34,178,600 7,984,100 42,162,700 17,493 27,020 1%
Avery County 224 41,383,800 12,540,900 53,924,700 14,041 17,689 2
Beaufort County 4,130 691,049,000 94,715,200 785,764,200 25,472 47,651 16
Bertie County 227 29,079,400 9,110,000 38,189,400 9,727 20,199 2
Bladen County 143 19,781,600 5,117,700 24,899,300 17,636 34,318 1
Brunswick County 16,810 3,646,358,300 886,408,900 4,532,767,200 83,080 122,765 20
Buncombe County 1,017 217,779,600 70,830,800 288,610,400 116,638 253,178 1
Burke County 131 26,624,700 6,573,800 33,198,500 40,615 88,842 (2)
Cabarrus County 456 93,899,000 32,153,500 126,052,500 76,892 196,762 1
Caldwell County 191 34,800,500 9,504,100 44,304,600 37,643 81,287 1
Camden County 857 171,412,800 24,883,400 196,296,200 4,155 10,309 21
Carteret County 14,288 2,714,677,600 552,306,800 3,266,984,400 48,982 68,879 29
Caswell County 2 270,000 108,000 378,000 10,591 22,941 (2)
Catawba County 241 44,148,300 15,221,400 59,369,700 67,872 155,056 (2)
Chatham County 202 41,355,800 15,565,800 56,921,600 30,498 70,928 1
Cherokee County 144 27,302,900 7,276,400 34,579,300 17,733 27,178 1
Chowan County 455 97,423,900 23,185,000 120,608,900 7,255 14,394 6
Clay County 131 27,384,300 6,075,100 33,459,400 7,244 10,703 2
Cleveland County 58 10,806,400 3,659,800 14,466,200 43,254 96,879 (2)
Columbus County 433 59,260,400 14,981,300 74,241,700 25,847 56,694 2
Craven County 4,481 864,009,500 204,375,800 1,068,385,300 46,055 103,451 10
Cumberland County 1,666 301,902,900 105,127,200 407,030,100 144,426 323,838 1
Currituck County 5,087 1,147,680,400 291,416,500 1,439,096,900 15,218 25,263 33
Dare County 21,208 4,589,527,400 827,799,800 5,417,327,200 34,187 35,663 62
Davidson County 277 52,324,500 17,000,600 69,325,100 73,136 164,622 (2)
Davie County 73 15,966,600 4,455,400 20,422,000 18,222 41,753 (2)
Duplin County 367 66,370,800 25,819,700 92,190,500 25,466 59,159 1
Durham County 1,352 265,232,900 69,460,600 334,693,500 130,230 300,952 1
Edgecombe County 935 128,561,900 39,158,900 167,720,800 24,627 54,150 4
Forsyth County 691 137,032,400 40,479,800 177,512,200 161,895 369,019 (2)
Franklin County 76 13,522,200 4,237,600 17,759,800 27,057 63,710 (2)
Gaston County 332 60,359,800 16,713,200 77,073,000 90,398 213,442 (2)
Gates County 79 15,356,000 4,128,100 19,484,100 5,222 11,431 2
Graham County 46 6,938,900 998,700 7,937,600 5,931 8,616 1
Granville County 37 7,386,000 2,392,400 9,778,400 23,372 58,674 (2)
Greene County 100 14,055,900 5,348,300 19,404,200 8,161 21,134 1
Guilford County 1,062 206,112,100 53,086,800 259,198,900 225,123 517,600 (2)
Halifax County 134 25,070,900 8,235,700 33,306,600 25,671 52,456 1
Harnett County 378 67,322,400 22,102,600 89,425,000 49,751 128,140 1
Haywood County 713 112,313,400 27,584,200 139,897,600 35,111 59,868 2
Henderson County 402 84,398,100 22,465,000 106,863,100 55,664 112,655 1
Hertford County 100 16,223,900 6,324,400 22,548,300 10,502 24,184 1
Hoke County 132 23,167,600 8,971,900 32,139,500 20,165 52,671 1
Hyde County 1,374 235,763,400 30,749,200 266,512,600 3,350 5,526 41
Iredell County 155 33,053,100 12,258,000 45,311,100 70,906 169,866 (2)
Jackson County 318 58,696,100 16,879,500 75,575,600 26,709 41,265 1
Johnston County 467 86,140,500 27,192,600 113,333,100 71,144 185,660 1
Jones County 141 27,317,900 8,200,000 35,517,900 4,851 10,013 3
Lee County 116 24,261,500 6,027,700 30,289,200 24,247 59,660 (2)
Lenoir County 549 86,471,100 24,166,400 110,637,500 27,206 58,106 2
Lincoln County 99 19,270,000 6,463,100 25,733,100 34,241 81,035 (2)
Macon County 177 35,642,400 11,228,200 46,870,600 25,379 34,201 1
Madison County 89 17,502,100 4,756,900 22,259,000 10,704 21,139 1
Martin County 88 12,916,400 3,799,500 16,715,900 11,521 23,357 1
McDowell County 99 18,595,600 4,867,100 23,462,700 20,936 44,989 (2)
Mecklenburg County 3,580 710,851,200 205,289,700 916,140,900 427,826 1,034,070 1
Mitchell County 30 6,225,200 1,300,000 7,525,200 8,742 15,246 (2)
Montgomery County 25 4,533,800 1,740,000 6,273,800 16,041 27,548 (2)
Moore County 529 107,241,800 27,257,400 134,499,200 45,719 94,352 1
Nash County 770 159,214,900 48,288,500 207,503,400 42,456 93,919 2
New Hanover County 14,347 2,990,347,200 704,798,800 3,695,146,000 107,090 220,358 13
Northampton County 64 8,364,400 3,214,300 11,578,700 11,512 20,426 1
Onslow County 4,308 830,619,000 210,727,500 1,041,346,500 76,926 186,311 6
Orange County 864 149,893,400 34,034,900 183,928,300 56,697 141,354 2
Pamlico County 2,001 392,556,700 83,089,000 475,645,700 7,564 12,781 26
Pasquotank County 2,696 484,866,000 78,850,900 563,716,900 16,915 39,829 16
Pender County 4,487 928,490,800 203,284,100 1,131,774,900 27,559 57,611 16
Perquimans County 731 147,995,200 34,309,800 182,305,000 7,036 13,440 10
Person County 26 5,393,500 1,785,800 7,179,300 18,220 39,259 (2)
Pitt County 1,856 327,692,800 93,143,600 420,836,400 77,332 175,842 2
Polk County 69 13,486,800 4,079,400 17,566,200 11,495 20,366 1
Randolph County 123 19,132,000 4,427,800 23,559,800 61,232 142,799 (2)
Richmond County 70 8,281,300 3,638,600 11,919,900 21,102 45,437 (2)
Robeson County 1,226 152,611,300 31,309,900 183,921,200 52,219 134,197 2
Rockingham County 76 13,011,700 3,360,200 16,371,900 43,566 91,758 (2)
Rowan County 223 42,521,400 13,445,200 55,966,600 60,241 139,142 (2)
Rutherford County 123 26,090,700 5,910,000 32,000,700 33,915 66,390 (2)
Sampson County 104 17,741,500 5,443,500 23,185,000 27,056 63,724 (2)
Scotland County 39 7,174,100 2,820,200 9,994,300 15,132 35,509 (2)
Stanly County 58 10,867,500 3,642,800 14,510,300 27,260 60,714 (2)
Stokes County 28 5,032,000 1,753,800 6,785,800 21,842 46,351 (2)
Surry County 45 10,376,900 4,274,900 14,651,800 33,516 72,743 (2)
Swain County 117 21,985,600 4,447,200 26,432,800 8,817 14,434 1
Transylvania County 259 53,083,300 16,730,600 69,813,900 19,372 33,211 1
Tyrrell County 556 78,831,000 9,950,200 88,781,200 2,050 4,070 27
Union County 465 101,834,700 33,372,800 135,207,500 77,794 222,742 1
Vance County 28 5,266,100 1,703,000 6,969,100 19,916 44,568 (2)
Wake County 3,412 738,735,800 222,682,500 961,418,300 411,435 1,024,198 1
Warren County 30 6,737,200 2,341,500 9,078,700 11,715 20,155 0
Washington County 248 44,509,400 10,749,700 55,259,100 6,412 12,385 4
Watauga County 581 113,271,200 26,175,800 139,447,000 33,130 52,906 2
Wayne County 1,070 167,648,400 52,948,300 220,596,700 53,290 124,132 2
Wilkes County 72 14,938,100 5,560,100 20,498,200 33,018 68,502 (2)
Wilson County 554 96,550,600 30,562,100 127,112,700 35,762 81,714 2
Yadkin County 11 2,334,000 410,000 2,744,000 17,208 37,585 (2)
Yancey County 120 21,527,200 6,041,800 27,569,000 11,067 17,587 1
Total 130,121 $26,021,734,900 $6,022,329,400 $32,044,064,300 4,490,948 10,042,802 3%

(1) As of May, 2017.
(2) Less than 0.5 percent.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

 
National Flood Insurance Policies in Force in South Carolina by County, 2017 (1)

County Number
of
policies
in
force		 Building
coverage		 Contents
coverage		 Total
coverage		 Estimated
population
housing
units
2015		 Population
2015		 Percentage
of
properties
insured
Abbeville County 30 $5,005,000 $1,136,700 $6,141,700 12,004 24,932 (2)
Aiken County 512 104,461,000 30,978,500 135,439,500 74,504 165,829 1%
Allendale County 5 715,500 217,200 932,700 4,451 9,433 (2)
Anderson County 151 29,689,500 9,683,000 39,372,500 86,084 194,692 (2)
Bamberg County 35 5,377,300 1,497,800 6,875,100 7,604 14,880 (2)
Barnwell County 9 1,497,000 590,000 2,087,000 10,378 21,725 (2)
Beaufort County 51,692 11,183,181,400 2,979,507,000 14,162,688,400 95,287 179,589 54
Berkeley County 7,493 1,594,619,700 458,321,000 2,052,940,700 79,154 202,786 10
Calhoun County 15 2,144,900 588,000 2,732,900 7,298 14,781 (2)
Charleston County 67,829 15,153,531,900 3,735,281,800 18,888,813,700 180,681 389,262 38
Cherokee County 23 3,726,900 2,057,800 5,784,700 24,052 56,194 (2)
Chester County 26 3,012,700 1,685,500 4,698,200 14,582 32,267 (2)
Chesterfield County 20 3,216,600 1,070,500 4,287,100 21,260 46,017 (2)
Clarendon County 156 28,824,700 8,816,300 37,641,000 17,419 33,775 1
Colleton County 2,044 442,870,700 87,647,400 530,518,100 19,676 37,731 10
Darlington County 121 21,940,200 7,712,200 29,652,400 30,215 67,548 (2)
Dillon County 88 11,071,400 3,846,000 14,917,400 13,545 31,234 1
Dorchester County 3,507 708,016,200 223,697,900 931,714,100 58,621 152,478 6
Edgefield County 24 5,424,700 1,930,100 7,354,800 10,655 26,514 (2)
Fairfield County 269 52,664,300 7,624,700 60,289,000 11,677 22,747 2
Florence County 609 97,123,200 32,204,800 129,328,000 59,210 138,900 1
Georgetown County 8,457 1,835,938,700 527,514,600 2,363,453,300 34,262 61,298 25
Greenville County 1,280 246,093,200 79,738,300 325,831,500 203,433 491,863 1
Greenwood County 123 21,557,100 7,262,300 28,819,400 31,210 69,838 (2)
Hampton County 82 14,182,300 5,179,200 19,361,500 9,007 20,049 1
Horry County 46,577 8,053,291,800 1,646,161,200 9,699,453,000 196,116 309,199 24
Jasper County 1,224 267,017,700 92,748,400 359,766,100 11,077 27,824 11
Kershaw County 419 77,286,500 17,010,400 94,296,900 28,191 63,603 1
Lancaster County 159 32,542,800 11,614,300 44,157,100 35,063 85,842 (2)
Laurens County 104 16,883,600 5,559,500 22,443,100 30,613 66,623 (2)
Lee County 34 4,643,700 1,305,300 5,949,000 7,659 17,896 (2)
Lexington County 1,429 262,231,700 62,029,200 324,260,900 119,716 281,833 1
Marion County 328 31,318,200 7,532,000 38,850,200 14,762 31,747 2
Marlboro County 32 3,882,200 1,210,500 5,092,700 11,928 27,494 (2)
McCormick County 37 8,115,000 1,971,100 10,086,100 5,476 9,706 1
Newberry County 144 24,139,700 5,120,700 29,260,400 17,982 38,012 1
Oconee County 75 14,645,600 5,448,900 20,094,500 39,255 75,713 (2)
Orangeburg County 224 37,877,100 13,005,000 50,882,100 42,086 89,208 1
Pickens County 123 24,713,500 7,451,900 32,165,400 52,416 121,691 (2)
Richland County 2,844 511,706,700 144,737,700 656,444,400 168,973 407,051 2
Saluda County 38 7,077,100 1,420,100 8,497,200 9,262 20,053 (2)
Spartanburg County 288 54,945,100 20,160,700 75,105,800 125,343 297,302 (2)
Sumter County 689 111,583,700 34,325,700 145,909,400 47,183 107,480 1
Union County 1 30,000 12,000 42,000 13,987 27,777 (2)
Williamsburg County 159 20,709,400 6,838,000 27,547,400 15,137 32,535 1
York County 460 88,439,900 29,213,900 117,653,800 101,588 251,195 (2)
Total 199,988 $41,228,967,100 $10,330,665,100 $51,559,632,200 2,210,082 4,896,146 9%

(1) As of May, 2017.
(2) Less than 0.5 percent.

Source: U.S. Department of Homeland Security, Federal Emergency Management Agency.

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