In this article, we will take a look at 5 US states with the biggest risk of flooding. If you want to check our detailed analysis of the flood insurance industry in the United States, you can go to 25 US States With the Biggest Risk of Flooding.
5. New York
Average Annual Losses to Flooding: $334,341,929
Each year, the state of New York expects to lose over $334 million in flood losses. In September 2023, in the aftermath of Tropical Storm Ophelia, New York City saw a major flooding event. The flash flooding even caused the Subway to be disrupted, with some lines being suspended entirely and many stations being closed.
4. California
Average Annual Losses to Flooding: $409,976,905
In the state of California, the highest economic damage due to flooding is expected in the counties of Kern, Ventura, San Bernardino, and Marin. Overall, California ranks fourth on our list of US states with the highest flood damage.
3. Louisiana
Average Annual Losses to Flooding: $759,040,777
On average, Louisiana expects an average loss of over $759 million due to flooding events. The counties at the highest risk of costly damage include East Baton Rouge, Lafayette, and St. Tammany. These are the same regions that were massively impacted in the Louisiana floods of August 2016.
2. New Jersey
Average Annual Losses to Flooding: $818,943,074
New Jersey is one of the states where most losses come from coastal flooding rather than riverine flooding. Out of its total flooding loss of $818 million, at least $634 million is expected to be from coastal flooding. Counties at the highest risk of this type of flooding are Bergen, Ocean, and Atlantic.
1. Texas
Average Annual Losses to Flooding: $1,965,480,712
Texas ranks as the first state in our list of US states with the highest risk of flooding. Most flooding in Texas is riverine, with the highest damage costs occurring in the counties of Harris, Galveston, and Brazoria. On the other hand, significant coastal flooding damages are also seen in some counties, such as Cameron, Aransas, Nueces, and Calhoun. According to data from the NOAA, Texas has seen nine different billion-dollar flooding events from 1980 to 2024, collectively costing the state between $10-20 billion.
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