The National Flood Insurance Program (NFIP) aims to reduce the impact of flooding on private and public structures.The redacted claims dataset provides details on NFIP claims transactions. It is derived from the NFIP system of record, staged in the NFIP reporting platform and redacted to protect policy holder personally identifiable information. This dataset represents more than 2,000,000 claims transactions. In order to improve accessibility, we have one compressed file. The Reinsurance data set was developed in support of FEMA reinsurance placement. We are sharing some of the reinsurance placement information with the general public, because it is important for the nation to more clearly understand our shared flood risk. The data and information was derived in part using catastrophic flood risk models developed by AIR-Worldwide and RMS, two well known risk model developers. That information may also be useful for the insurance industry, academics, and others in understanding and studying flood risk within the United States. FEMA looks to continue to foster strong private-public partnerships as FEMA, the public, academia, and the private sector work together to improve flood resiliency in the United States.The Community Layer datasets contain geospatial community boundaries associated with Census and NFIP data. The dataset does not contain personal identifiable information (PII). The Community Layer can be used to tie Community ID numbers (CID) to jurisdiction, tribal, and special land use area boundaries. A geodatabase (GDB) link is Included in the Full Data section below. The compressed file contains a collection of files that can store, query, and manage both spatial and nonspatial data using software that can read such a file. It contains all of the community layers, not just the layer for which this dataset page describes.The No Overlaps Whole Community Layer dataset is a variation on the Comprehensive Community Layer dataset, but flattened, with multi-county communities not split by county lines. "Flattened" means that there are no overlaps; larger shapes like counties are "punched out" or "clipped" where smaller communities are contained within them. This allows for choropleth shading and other mapping techniques such as calculating unincorporated county land area. Multicounty cities like Houston are a single feature, undivided by counties. This layer is derived from Census, State of Maine, and National Flood Hazard Layer political boundaries.The No Overlaps Split Community Layer Dataset is a variation on the Comprehensive Community Layer dataset, but flattened, with multi-county communities split by county lines. "Flattened" means that there are no overlaps; larger shapes like counties are "punched out" or "clipped" where smaller communities are contained within them. This allows for choropleth shading and other mapping techniques such as calculating unincorporated county land area. Multicounty cities like Houston are split by county lines, allowing easier county summarization and alignment with certain NFIP statistics. This layer is derived from Census, State of Maine, and National Flood Hazard Layer political boundaries.The NFIP Community Status Book dataset contains the current NFIP status of a community which determines whether citizens have the opportunity to purchase flood insurance as well as qualify for disaster assistance. In addition, this dataset provides the available insurance discount rates for communities that participate in the Community Rating System (CRS).The Multiple Loss Properties dataset contains NFIP-insured structures that fall within the four categories of Repetitive Loss and Severe Repetitive Loss that FEMA tracks. Definitions of these categories are provided in the field descriptions. There are also fields to show whether a structure is currently NFIP-insured, has been mitigated, and other characteristics. The data includes properties that have since been mitigated or demolished and may no longer considered to be in any of the listed categories.

The statistic presents the number of flood insurance policies in force in the United States as of ******************, by state. It was found that there were approximately **** million flood insurance policies in force in Florida as of ******************.

The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). Active CRS community flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program: 1. Reduce and avoid flood damage to insurable property; 2. Strengthen and support the insurance aspects of the National Flood Insurance Program; and 3. Foster comprehensive floodplain management. rnrnThe Flood insurance premium rates in Community Rating System communities are discounted in increments of 5%. A Class 10 community is not participating in the CRS and receives no discount. A Class 9 community receives a 5% discount for all policies in its Special Flood Hazard Areas, a Class 8 community receives a 10% discount, all the way to a Class 1 community, which receives a 45% premium discount. Classifications are based on 19 creditable activities, organized in four categories: Public Information, Mapping and Regulations, Flood Damage Reduction, Warning and Response. Quantitative CRS datasets are avaialble about community floodplain mangament practices that validates the CRS community rating classifications and credit points. The abridged public dataset is available at https://www.fema.gov/floodplain-management/community-rating-system. CRS dataset is updated semiannually in CIS.

Flood Insurance Studies are a complication and presentation of flood risk data for specific watercourses, lakes, and coastal flood hazard areas within a community.rn

The global flood insurance market was estimated at **** billion U.S. dollars in 2021. This market is forecast to grow at a compound annual growth rate (CAGR) of **** percent until 2027, surpassing ** billion U.S. dollars that year.

The National Flood Hazard Layer (NFHL) data incorporates all Digital Flood Insurance Rate Map(DFIRM) databases published by FEMA, and any Letters Of Map Revision (LOMRs) that have been issued against those databases since their publication date. The DFIRM Database is the digital, geospatial version of the flood hazard information shown on the published paper Flood Insurance Rate Maps(FIRMs). The primary risk classifications used are the 1-percent-annual-chance flood event, the 0.2-percent-annual-chance flood event, and areas of minimal flood risk. The NFHL data are derived from Flood Insurance Studies (FISs), previously published Flood Insurance Rate Maps (FIRMs), flood hazard analyses performed in support of the FISs and FIRMs, and new mapping data where available. The FISs and FIRMs are published by the Federal Emergency Management Agency (FEMA). The specifications for the horizontal control of DFIRM data are consistent with those required for mapping at a scale of 1:12,000. The NFHL data contain layers in the Standard DFIRM datasets except for S_Label_Pt and S_Label_Ld. The NFHL is available as State or US Territory data sets. Each State or Territory data set consists of all DFIRMs and corresponding LOMRs available on the publication date of the data set.

Context

The market for providing flood insurance policies in the U.S. is almost exclusively backed by the National Flood Insurance Program (NFIP). The NFIP is only available for policies purchased within participating communities, and partners with private insurance companies to distribute flood insurance policies to homeowners and businesses.

Because flooding is the primary vector of economic damages inflicted on local communities as demonstrated by the 2016-2019 hurricane seasons, and given the projected increase in destructive flooding as a result of climate change- there's an enormous need to more efficiently distribute financial risk due to climate change.

Content

This data contains multiple fields about anonymized flood policy holders in the United States:

1. Flood zone rating
2. Building elevation
3. Zip code, county code, census tract, state code, city code
4. Building type
5. Business type
6. Flood insurance deductibles
7. Total insurance coverage
8. Total insurance premium of the policy
9. How the policy was originally rated

Acknowledgements

This data wouldn't be available were it not for the OpenFEMA team- they're the ones primarily responsible for its update and maintenance on its original site: https://www.fema.gov/media-library/assets/documents/180376

(I'm sure they'd appreciate a nice email at OpenFEMA@fema.dhs.gov)

Inspiration

Hurricane season is always right around the corner.

This dataset contains the scanned, paper flood insurance rate maps (FIRMs) developed by FEMA and available from the Mapping Service Center.

The statistic shows the amount of flood insurance claim payments in the United States from *************** to ******************, by state. In that period, flood insurance claim payments in Florida amounted to approximately ********** U.S. dollars.

Overview of Data Sources

Flooding Event Data: The flooding event summaries were developed using the NOAA Storm Events Database, available for download at NOAA National Centers for Environmental Information website. While there are many weather events provided in the NOAA Storm Events Database, only the following values were selected for inclusion in the locality summaries: coastal flood, flash flood, flood, heavy rain, hurricane (typhoon), and tropical storm. Detailed descriptions of event types are provided in Appendix A of NOAA's National Weather Service documentation. The data included in this summary includes events recorded from January 1996 through August 2021.

FEMA National Flood Insurance Program Claims: The NFIP claims data were obtained through the FIMA NFIP Redacted Claims data, available through the OpenFEMA data portal. The data used in this analysis was last updated December 6, 2021.

While every effort has been made to obtain current information about the flood events and flood insurance claims contained herein, no representation or assurance is made regarding the accuracy of the underlying data. Please contact HRDPC staff with questions regarding this dashboard product.

This dataset contains the scanned, paper flood insurance rate maps (FIRMs) developed by FEMA and available from the Mapping Service Center.

FIRM Flood Insurance Rate Map Official map of a community on which FEMA has delineated the Special Flood Hazard Areas (SFHAs), the Base Flood Elevations (BFEs) and the risk premium zones applicable to the community.

This statistic shows the share of homeowners with flood insurance in the United States from 2010 to 2016. In 2016, ** percent of respondents stated that they had flood insurance.

First, a caveat: the NFIP data does NOT provide information specific to individual homes or parcels. This information is protected under federal law. All personal identifying information about policy holders has been redacted, and data has been anonymized to census tract, reported ZIP code, and one decimal point digit of latitute and longitude. If mapped, flood insurance policies and claims may appear to be clustered at a particular location due to this anonymization. What all that means: you cannot search for an address to see whether it has flooded. However, among many things, this data shows flooding trends in Norfolk over the last 40+ years. It shows the census tracts that flood most frequently. And it shows where the largest number and highest value of claims occur.

FEMA believes this historic release of NFIP data promotes transparency, reduces complexity related to public data requests, and improves how stakeholders interact with and understand the program. This is the largest, most comprehensive release of NFIP data coordinated by FEMA to date. This dataset allows for customizable searches to create reports, analyze and visualize present and historical NFIP data faster and easier than before. This data will help FEMA build a national culture of preparedness by providing claims and policy information people need to make better choices about their flood risk and the insurance they need to protect the life they've built. Norfolk's Open Data team extracted city-specific information from the FEMA dataset. The dataset included here represents almost 6,000 claims on record from 1977 through 2019, totaling 67 million dollars in damage in the City of Norfolk.

To view the most updated version of the dataset, please click here: https://data.norfolk.gov/Government/FEMA-NFIP-Claims/suf7-r643/about_data

Contains all publicly available data and code used for "Does the National Flood Insurance Program Drive Migration to Higher Risk Areas?"

The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk classifications used are the 1-percent-annual-chance flood event, the 0.2-percent-annual- chance flood event, and areas of minimal flood risk. The DFIRM Database is derived from Flood Insurance Studies (FISs), previously published Flood Insurance Rate Maps (FIRMs), flood hazard analyses performed in support of the FISs and FIRMs, and new mapping data, where available. The FISs and FIRMs are published by the Federal Emergency Management Agency (FEMA).The file is georeferenced to earth's surface using the State Plane projection and coordinate system. The specifications for the horizontal control of DFIRM data files are consistent with those required for mapping at a scale of 1:12,000.

Open the Data Resource: https://experience.arcgis.com/experience/e492db86d9b348399f4bd20330b4b274 This viewer shares a variety of flood hazard and risk data produced by the Federal Emergency Management Agency (FEMA). Some flood hazard and flood risk data produced by FEMA define minimum requirements for the National Flood Insurance Program (NFIP). This viewer includes these required NFIP data and includes other data showing current and potential future flood hazard and risk.

The Office of the Flood Insurance Advocate (OFIA) publishes its periodic report to provide the public and industry professionals an insight into trends affecting National Flood Insurance Program (NFIP) customers and property owners.rnrnData in these reports includes; Casework Highlights, Casework Trends, and Casework Spotlights

The National Flood Insurance Program (NFIP) aims to reduce the impact of flooding—a burden not covered by homeowner’s insurance—by providing insurance to homeowners, renters, and business owners at a reasonable cost. NFIP coverage insures buildings and the policy owner’s possessions. The NFIP claims data comes from the NFIP legacy system as of 12/31/2016 and includes residential contracts only; contracts on business and other non-residential structures are excluded. The period of the data portrayed is from 1996-2016.

To provide a more detailed understanding of the flood insurance market Defra commissioned this survey of the availability and affordability of flood insurance for households, including a comparison between those at risk of flooding and those not at risk.