What is in the dataset?
Two files, one row per place:
- Florida counties (CSV): 66 counties.
- Florida ZIP codes (CSV): 825 ZIP codes.
Each row has the number of NFIP flood policies in force, the average premium paid, the average for single-family homes, the share of policies in high-risk flood zones, flood claims in the last 10 years, the dollars paid on them, and every claim on record. The counties listed hold 1,649,989 NFIP policies. From July 2016 to July 2026, the NFIP paid $15.43 billion on flood claims in those counties.
Every column is explained in the column guide. The whole set lives on GitHub.
So where do the numbers come from? See the source.
Where do the numbers come from?
From FEMA's OpenFEMA files for the National Flood Insurance Program: one for policies and one for claims. A script turns them into these tables. No one types or rounds a number by hand. Policy data is as of July 2026.
Only places with 50 or more NFIP policies are listed. With fewer, an average can swing on a few homes.
In 249 ZIP codes the average premium is left blank. There, FEMA counts each condo unit under one master policy as its own policy, which pulls the average far below what a house pays. The single-family column still shows what houses pay where there are enough of them.
So can I use it? See the license.
Can I use it, and how do I credit it?
Yes. The data is free under the CC BY 4.0 license. Use it in a story, a report, a lender guide or a model. Credit it like this:
Source: ShoutFlood (shoutflood.com), from FEMA OpenFEMA NFIP data.
Please link to this page when you can. The dataset is not a FEMA product.
What do these Florida numbers not tell you?
- They are averages, not quotes. Same flood zone, very different prices. Your flood zone decides whether a lender requires flood insurance. The price is figured from the building itself: how high the first floor sits, what it would cost to rebuild, and how often that spot floods.
- They cover NFIP policies only. FEMA's files do not include private flood insurance.
- They do not show a single home. Claims at one address are not public. A ZIP code is listed under the county with the most policies in it.
To see the zone and the local numbers for one home, check my address.
Questions about the Florida flood dataset
How often is the Florida flood data updated?
When FEMA posts new policy and claims files and our script runs again. The as-of date in every row tells you which FEMA data it reflects. Today that is July 2026.
Why is my ZIP code missing?
The files list only ZIP codes with at least 50 NFIP policies. You can still check your address for the flood zone and your county's numbers.
Does the average premium include private flood insurance?
No. It is the average NFIP premium paid. FEMA's data does not cover private flood policies, so the files cannot show them.
Can I see the same numbers on a map or a page?
Yes. The flood insurance by ZIP code page shows the ZIP table with a search box, and each county page shows that county's numbers.
Sources and dates
- FEMA, OpenFEMA FIMA NFIP Redacted Policies v2: policies in force, average premium paid and high-risk zone share, as of July 2026. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-policies-v2
- FEMA, OpenFEMA FIMA NFIP Redacted Claims v2: NFIP claims and dollars paid, July 2016 to July 2026. https://www.fema.gov/openfema-data-page/fima-nfip-redacted-claims-v2
- Creative Commons, CC BY 4.0 license. https://creativecommons.org/licenses/by/4.0/
Facts last checked November 8, 2026. Every figure comes from the federal or state source listed above.