US water damage claims index
What water and flood damage actually pays out, from the primary record: every NFIP claim FEMA has published for the launch states since 2023. Updated 2026-08-16; methodology below; copy any sentence and check it against the source.
- claims recorded
- 106,572
- claims paid
- 89,447
- median paid claim
- $74,948
- middle 50% of payouts
- $18,511 to $141,341
Copy-ready findings
- "The median paid water damage claim in the launch states was $74,948 in 2023 to 2026, across 106,572 NFIP claim records recorded in the DamageRestore HQ Claims Index (FEMA NFIP data)."
By state
| State | Claims | Paid | Median paid | Middle 50% |
|---|---|---|---|---|
| Arizona | 137 | 70 | $23,436 | $9,995 to $64,495 |
| Florida | 91,525 | 78,092 | $82,109 | $20,930 to $147,370 |
| Georgia | 1,692 | 1,208 | $20,809 | $7,998 to $54,464 |
| North Carolina | 4,421 | 3,679 | $32,334 | $10,003 to $109,268 |
| Texas | 7,827 | 5,598 | $36,647 | $11,297 to $82,185 |
| Washington | 970 | 800 | $36,607 | $15,065 to $92,134 |
launch states only: TX, FL, GA, AZ, NC, WA. More states join the index as their data is ingested.