claritystorm/fema-nfip-flood-insurance-claims

FEMA NFIP Flood Insurance Claims 1978–Present

2 million+ paid National Flood Insurance Program (NFIP) claims since 1978 — cleaned, enriched, and geocoded. Includes flood zone classifications, coverage amounts, building characteristics, damage breakdowns, and ClarityStorm-computed ZIP-level risk scores. The essential dataset for flood risk modeling, climate finance, and real estate AI.

📊 Records	📅 Coverage	🏷️ License	🔄 Updated
2M+ paid claims	1978–present (46 years)	Public Domain	Annual

This repo contains a free 1,000-row sample. Full dataset (CSV + Parquet) → claritystorm.com/datasets/fema-flood-insurance

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Quick Start

from datasets import load_dataset
import pandas as pd

# Load the 1,000-row sample
ds = load_dataset("claritystorm/fema-nfip-flood-insurance-claims")
df = ds["train"].to_pandas()

# Total claims paid by state
print(df.groupby("property_state")["total_amount_paid"]
      .sum().sort_values(ascending=False).head(10))

# Average claim payout by flood zone risk category
print(df.groupby("flood_zone_category")["total_amount_paid"]
      .mean().sort_values(ascending=False).round(0))

# ZIP-level risk scores (ClarityStorm-computed)
high_risk = df[df["zip_risk_score"] >= 80]
print(f"High-risk ZIPs (score ≥80): {high_risk['reported_zip_code'].nunique()}")

# Decade-over-decade damage trend
print(df.groupby("decade_of_loss")["total_amount_paid"].mean().round(0))

Use Cases

• Flood risk modeling — 46-year claims history with flood zone, building type, and damage breakdowns
• Climate finance & physical risk — ZIP-level risk scores, damage trends, and coverage ratio features
• Real estate AI — flood risk as a feature for property valuation and mortgage underwriting
• Insurance loss estimation — historical loss distributions by flood zone, state, and occupancy type
• Catastrophe (CAT) model validation — compare model outputs against actual NFIP paid claim distributions
• FEMA policy analysis — post-FIRM construction trends, elevated building performance, and NFIP reform research

Schema (selected fields)

Field	Type	Description
claim_id	string	Unique claim identifier
year_of_loss	int	Year the flood loss occurred
property_state	string	State abbreviation (2-letter)
reported_zip_code	string	5-digit ZIP code of insured property
latitude	float	Property latitude (where available)
longitude	float	Property longitude (where available)
flood_zone	string	FEMA flood zone designation (e.g. AE, VE, X)
flood_zone_category	string	Simplified risk category (High Risk SFHA, Moderate Risk, etc.)
occupancy_type_label	string	Human-readable occupancy type
total_building_coverage	float	Building insurance coverage limit ($)
total_amount_paid	float	Total claim payment (building + contents + ICC)
coverage_ratio	float	Claim payout as fraction of coverage limit
decade_of_loss	int	Decade of loss year (e.g. 1990, 2000, 2010)
zip_claim_count	int	Total NFIP claims from this ZIP code
zip_avg_claim	float	Average total claim payout for this ZIP
zip_risk_score	float	ZIP-level risk score 1–100 (frequency × severity)

⬇️ Get the Full Dataset

Tier	Price	Includes
Sample	Free	1,000 rows, Public Domain (this repo)
Complete	$99	Full 2M+ rows, CSV + Parquet, commercial license
Annual	$199/yr	Complete + annual updates

👉 Purchase at claritystorm.com/datasets/fema-flood-insurance

Source

Federal Emergency Management Agency (FEMA), OpenFEMA — FIMA NFIP Redacted Claims v2. FEMA OpenFEMA data is a US federal government work in the public domain (17 U.S.C. 105). All personally identifiable information has been redacted by FEMA.

Processed and enriched by ClarityStorm Data.