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Area flood history · FEMA NFIP data

What FEMA's flood records show about your area.

Enter a ZIP code to see the federal flood-claim history for that area: how many National Flood Insurance Program claims have been paid, the median payout, and how many were on homes outside the high-risk flood zone. This is the history of an area, never a specific house, and it is context for getting ready, not a risk score.

The flood, county-risk, and disaster figures are looked up entirely in your browser from data shipped with this page, so your ZIP is never sent anywhere for those. The optional live checks send the ZIP's map center straight to the government sources (the National Weather Service for active alerts, FEMA for the flood zone), never to any server of ours. Nothing is stored either way.

How to use this, and how not to

This is the most useful, and most misread, data in storm prep. The number that matters most is usually the share of paid claims from outside the high-risk zone. Flooding does not follow the lines on a map, and in many areas a large minority of paid claims are on homes where flood insurance was never required. That is the case for buying coverage you are not forced to buy. It is not a reason to panic: past claims describe what has happened in an area, not what will happen to your home.

Where these numbers come from

Three federal datasets, pre-loaded into this page and refreshed monthly:

Educational context only, never a property-specific flood-risk score, insurance advice, or a safety directive. FEMA specifically recommends the NFIP claims data not be used in commercial catastrophe models because the coordinates are truncated; we present it as area history for planning. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the API. County risk is from the FEMA National Risk Index; flood-zone lookups are from FEMA's National Flood Hazard Layer. Data-verified at build; logged as VERIFY.md V32 to V40. Coverage and "current as of" date appear with each result.