FEMA NFIP Data, State-by-State

Mold After Flooding by State (FEMA NFIP Data)

Floods and mold are the same problem on a different timeline. Mold growth typically starts within 24 to 48 hours of water exposure, so the response timeline matters more than the cleanup method. The state pages below pull real numbers from the FEMA OpenFEMA data set so you can see the flood loss history where you live and the most recent federally declared events.

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Top 10 states by paid NFIP flood claims

Sorted by total paid NFIP claims in the FEMA program's records. Click through for the full FEMA disaster history and post-flood mold recovery timeline.

  1. Louisiana 484,942 paid NFIP claims
  2. Florida 448,381 paid NFIP claims
  3. Texas 393,613 paid NFIP claims
  4. New Jersey 202,151 paid NFIP claims
  5. New York 175,218 paid NFIP claims
  6. North Carolina 109,530 paid NFIP claims
  7. Pennsylvania 76,905 paid NFIP claims
  8. Mississippi 64,247 paid NFIP claims
  9. California 53,542 paid NFIP claims
  10. Illinois 52,700 paid NFIP claims

All 50 States & DC

Each state page combines federally declared flood-type events from FEMA, paid NFIP claim counts from the OpenFEMA data set, and the post-flood mold timeline. All sources are public-domain government data.

Louisiana 484,942 paid NFIP claims Florida 448,381 paid NFIP claims Texas 393,613 paid NFIP claims New Jersey 202,151 paid NFIP claims New York 175,218 paid NFIP claims North Carolina 109,530 paid NFIP claims Pennsylvania 76,905 paid NFIP claims Mississippi 64,247 paid NFIP claims California 53,542 paid NFIP claims Illinois 52,700 paid NFIP claims Missouri 51,243 paid NFIP claims Virginia 50,564 paid NFIP claims South Carolina 49,601 paid NFIP claims Alabama 44,864 paid NFIP claims Massachusetts 35,366 paid NFIP claims Connecticut 29,423 paid NFIP claims Ohio 28,155 paid NFIP claims Kentucky 27,846 paid NFIP claims West Virginia 27,830 paid NFIP claims Maryland 25,353 paid NFIP claims Georgia 24,404 paid NFIP claims Indiana 19,281 paid NFIP claims Tennessee 17,648 paid NFIP claims Washington 16,053 paid NFIP claims Michigan 14,901 paid NFIP claims Iowa 14,748 paid NFIP claims North Dakota 13,307 paid NFIP claims Oklahoma 12,968 paid NFIP claims Minnesota 12,470 paid NFIP claims Arkansas 10,249 paid NFIP claims Wisconsin 9,470 paid NFIP claims Kansas 7,857 paid NFIP claims Rhode Island 7,022 paid NFIP claims Delaware 6,334 paid NFIP claims Hawaii 6,233 paid NFIP claims Oregon 6,095 paid NFIP claims Nebraska 6,067 paid NFIP claims Colorado 5,778 paid NFIP claims Maine 5,671 paid NFIP claims Arizona 5,323 paid NFIP claims New Hampshire 4,422 paid NFIP claims South Dakota 4,017 paid NFIP claims Vermont 3,725 paid NFIP claims Montana 2,217 paid NFIP claims Nevada 1,960 paid NFIP claims New Mexico 1,925 paid NFIP claims Utah 1,204 paid NFIP claims Idaho 1,111 paid NFIP claims Alaska 804 paid NFIP claims Wyoming 561 paid NFIP claims District of Columbia 493 paid NFIP claims
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Other state-by-state guides

Licensing & Laws Mold remediation laws by state Who has to be licensed, threshold rules, and contractor verification for all 50 states. Tenant Rights Tenant mold rights by state Warranty of habitability statute and notice procedures for every state.

Why the FEMA data matters

The FEMA OpenFEMA FimaNfipClaims dataset is the public-domain record of every paid National Flood Insurance Program claim in the United States. The total nationwide is over 2.7 million claims. The state pages below pull the per-state count directly from that dataset and pair it with the most recent federally declared flood-related events from FEMA’s DisasterDeclarationsSummaries table. Both data sets are public domain and updated regularly by FEMA.

For homeowners, the practical use is simple. If your state shows up high in the rankings, your area has been hit hard before, your insurer has paid claims at scale before, and the local contractor pool typically has flood-and-mold experience. If your state is lower on the list, that does not mean you are safe; it means a localized event will be a more unusual situation for the contractors and adjusters in your area.

How to use the post-flood pages

Each state page in the grid below covers the same six-step recovery sequence:

  1. Document everything before you touch it. This is the single most important step for any insurance or FEMA claim.
  2. Get the water out. Pump or wet-vac as soon as it is safe.
  3. Open the structure up. Remove wet drywall, insulation, and carpet.
  4. Dry aggressively with high-volume air movers and dehumidifiers.
  5. Treat surviving studs and framing before they get closed back up.
  6. Get a qualified mold remediator involved when the affected area is more than 10 to 25 square feet.

For licensing rules in your state, see the matching mold remediation laws guide. For tenant-side issues after flood damage in a rental, see the matching tenant rights guide.

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