Exploring the National Flood Insurance Program

How many homes are covered by flood insurance from the National Flood Insurance Program (NFIP)?

What is the NFIP?

The National Flood Insurance Program (NFIP) is the main provider of residential flood insurance coverage in the country. Established by federal law in 1968, the NFIP is managed by the Federal Emergency Management Agency (FEMA) to provide primary flood coverage to participating communities that meet minimum floodplain building standards.

Many homes in the U.S. that are at risk of flooding remain uninsured.

Nationwide, as of June 2026, we estimate that only 44.1% of residential structures in FEMA’s 100-year floodplain have an active NFIP contract, and just 1.3% outside it.

Our interactive dashboard below maps the NFIP residential take-up rate for the country as a whole down to every census block group in the U.S.

Select your state and zoom in to see what percentage of homes in your community is covered by NFIP flood insurance (data as of June 2026).