District of Columbia Flood Insurance.
What the FEMA data shows.
2,092 NFIP flood policies are in force in District of Columbia. The average one costs $403 a year. In the last 10 years, NFIP paid $2.0 million on 212 flood claims in District of Columbia.
FEMA policy data as of July 4, 2026.
District of Columbia flood insurance in 4 numbers
2,092
NFIP policies in force in District of Columbia.
$403
Average yearly premium per policy.
$2.0 million
Paid on 212 flood claims in 10 years.
25%
Share of policies in high-risk zones (A or V).
District of Columbia’s costliest floods in 10 years
These are the flood events with the most NFIP money paid in District of Columbia from July 3, 2016 to July 4, 2026. The names are FEMA’s own event labels, written out in plain words.
| FEMA event | Claims | Paid |
|---|---|---|
| Hurricane Ida | 1 | $8,866 |
| Tropical Storm Ophelia | 3 | $7,076 |
What will flood insurance cost at your District of Columbia address?
The $403 average is a number for all of District of Columbia. Your price is set by your own home. Same flood zone, very different prices. It turns on how high your first floor sits, what your home costs to rebuild, and how often your spot floods.
Your flood zone tells you if your lender will require a policy. Start there. Type your address and see your FEMA flood zone in seconds. A licensed, independent insurance agent can then compare NFIP and private options for you.
Checked against FEMA’s flood map for that exact spot.
3 questions District of Columbia buyers ask next
Sources and dates
- Policies in force, average premium and the share in A or V zones: FEMA, OpenFEMA FIMA NFIP Redacted Policies v2. Policies in force on July 4, 2026. A condo association policy counts once for each unit it covers. The average is total premium divided by policies.
- Claims and money paid: FEMA, OpenFEMA FIMA NFIP Redacted Claims v2. Losses from July 3, 2016 to July 4, 2026. Paid means building, contents and Increased Cost of Compliance payments added together.
- Counted by ShoutFlood from FEMA’s public files on November 3, 2026. Places with fewer than 50 policies show no numbers.