Flood insurance rankings
Our flood-insurance rankings sort all 50 states and DC by FEMA NFIP data. The most expensive state for flood insurance is West Virginia at $1,840/yr, the cheapest is Alaska at $428/yr (the US average is $976), and Louisiana has had the most NFIP claims (484,979 since the program began). Pick a ranking below.
Source: FEMA NFIP — Policy Information by State (compiled by NerdWallet, May 2026). Data as of June 2026.
Most expensive states
Highest average NFIP premiums — West Virginia leads at $1,840/yr.
Cheapest statesLowest average NFIP premiums — Alaska is cheapest at $428/yr.
Most claims paidMost NFIP claims filed since 1978 — Louisiana tops at 484,979.
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Last updated: 2026-06-20