US Insurance Data by State: Flood Claims, Medicare Plans & More

These rankings are built from the same primary-source datasets that power our state pages — nothing here is estimated or invented. Each chart is interactive: hover a bar to highlight it, click a state to open its full guide, or expand “View as table” for the exact numbers.

States with the most paid flood-insurance claims

All-time paid claims under FEMA's National Flood Insurance Program — a direct measure of how much flood loss each state has experienced.

North Carolina109,539

Ranked by paid nfip claims (all-time) (Paid NFIP claims (all-time))

View as table

Rank	State	Paid NFIP claims (all-time)
1	Louisiana	484,979
2	Florida	448,425
3	Texas	393,669
4	New Jersey	202,156
5	New York	175,253
6	North Carolina	109,539
7	Pennsylvania	76,907
8	Mississippi	64,278
9	California	53,545
10	Illinois	52,736
11	Missouri	51,261
12	Virginia	50,566
13	South Carolina	49,606
14	Alabama	44,875
15	Massachusetts	35,366
16	Connecticut	29,425
17	Ohio	28,179
18	Kentucky	27,849
19	West Virginia	27,832
20	Maryland	25,355
21	Georgia	24,418
22	Indiana	19,283
23	Tennessee	17,649
24	Washington	16,061
25	Michigan	14,921
26	Iowa	14,748
27	North Dakota	13,307
28	Oklahoma	12,973
29	Minnesota	12,470
30	Arkansas	10,250
31	Wisconsin	9,498
32	Kansas	7,857
33	Rhode Island	7,023
34	Delaware	6,334
35	Hawaii	6,250
36	Oregon	6,095
37	Nebraska	6,067
38	Colorado	5,778
39	Maine	5,671
40	Arizona	5,323
41	New Hampshire	4,422
42	South Dakota	4,017
43	Vermont	3,726
44	Montana	2,217
45	Nevada	1,960
46	New Mexico	1,927
47	Utah	1,204
48	Idaho	1,113
49	Alaska	805
50	Wyoming	561
51	District of Columbia	494

Source: FEMA OpenFEMA — NFIP Claims. Click any state for its full page.

States with the most federally-declared flood disasters

Major-disaster declarations for flood, hurricane, coastal storm, and tropical storm events (counted once per disaster).

Ranked by federally-declared flood disasters (Federally-declared flood disasters)

View as table

Rank	State	Federally-declared flood disasters
1	Texas	62
2	Florida	53
3	Louisiana	53
4	California	43
5	New York	39
6	West Virginia	39
7	North Carolina	33
8	Pennsylvania	32
9	Washington	32
10	Iowa	30
11	Minnesota	30
12	North Dakota	29
13	Kentucky	28
14	Virginia	28
15	Alabama	25
16	Maine	23
17	Mississippi	22
18	New Mexico	22
19	Oklahoma	22
20	Vermont	22
21	Alaska	21
22	Arkansas	21
23	Missouri	21
24	South Dakota	21
25	Wisconsin	20
26	Georgia	19
27	Illinois	19
28	Nebraska	19
29	Tennessee	19
30	Idaho	18
31	Montana	18
32	New Hampshire	18
33	Ohio	18
34	South Carolina	18
35	Arizona	17
36	Hawaii	16
37	Maryland	16
38	New Jersey	16
39	Oregon	16
40	Massachusetts	15
41	Indiana	14
42	Michigan	14
43	Colorado	13
44	Connecticut	12
45	Kansas	12
46	Nevada	12
47	Delaware	10
48	Utah	10
49	Wyoming	7
50	Rhode Island	6
51	District of Columbia	3

Source: FEMA OpenFEMA — Disaster Declarations. Click any state for its full page.

States with the most Medicare Advantage plans (2026)

The number of Medicare Advantage / MA-PD plans available statewide for plan year 2026 (fewer are available in any one county).

Ranked by ma plans available (2026) (MA plans available (2026))

View as table

Rank	State	MA plans available (2026)
1	Florida	611
2	Texas	426
3	California	402
4	Pennsylvania	334
5	New York	218
6	Ohio	212
7	Michigan	192
8	Georgia	180
9	North Carolina	175
10	Illinois	157
11	Missouri	157
12	Virginia	143
13	Arizona	133
14	Tennessee	132
15	Indiana	127
16	Washington	126
17	Louisiana	117
18	Kentucky	115
19	Wisconsin	113
20	Colorado	108
21	Nevada	105
22	Massachusetts	103
23	Oregon	102
24	Alabama	98
25	Mississippi	96
26	South Carolina	95
27	Arkansas	91
28	Kansas	87
29	New Jersey	85
30	Oklahoma	82
31	Minnesota	81
32	New Mexico	73
33	West Virginia	69
34	Iowa	63
35	Maryland	63
36	Utah	55
37	Maine	52
38	Nebraska	50
39	Idaho	48
40	Connecticut	47
41	Hawaii	44
42	Delaware	37
43	Montana	32
44	Rhode Island	23
45	North Dakota	21
46	District of Columbia	20
47	New Hampshire	19
48	South Dakota	19
49	Wyoming	14
50	Vermont	3

Source: CMS — 2026 MA/Part D Landscape. Click any state for its full page.

Lowest average Medicare Advantage premium (2026)

Average monthly MA plan premium by state — lowest first. Most states also offer $0-premium plans (beyond the Part B premium).

Ranked by avg ma premium/mo (2026) (Avg MA premium/mo (2026))

View as table

Rank	State	Avg MA premium/mo (2026)
1	Vermont	$0.00
2	Nevada	$1.06
3	Florida	$2.11
4	Arkansas	$2.28
5	New Mexico	$3.65
6	Texas	$4.35
7	Arizona	$4.82
8	Georgia	$6.74
9	Illinois	$8.51
10	Missouri	$8.56
11	Virginia	$9.19
12	Kansas	$10.11
13	South Carolina	$10.16
14	Kentucky	$10.25
15	Alabama	$10.62
16	Mississippi	$10.80
17	Utah	$10.97
18	Tennessee	$12.83
19	North Carolina	$12.86
20	Colorado	$12.91
21	Louisiana	$13.35
22	Ohio	$13.54
23	Oklahoma	$13.62
24	California	$13.99
25	West Virginia	$14.14
26	Iowa	$15.11
27	Indiana	$15.40
28	Michigan	$16.56
29	Delaware	$17.11
30	Montana	$17.67
31	Washington	$18.20
32	Connecticut	$18.66
33	Nebraska	$21.58
34	Maine	$21.90
35	Pennsylvania	$22.99
36	Idaho	$23.21
37	Wisconsin	$23.44
38	New Jersey	$25.23
39	New Hampshire	$25.44
40	Maryland	$25.68
41	Oregon	$26.04
42	District of Columbia	$26.97
43	Rhode Island	$32.32
44	Massachusetts	$38.03
45	New York	$40.49
46	Wyoming	$48.61
47	Hawaii	$52.34
48	South Dakota	$57.85
49	Minnesota	$72.34
50	North Dakota	$73.51

Source: CMS — 2026 MA/Part D Landscape. Click any state for its full page.

About this data. Flood figures come from FEMA’s OpenFEMA API (paid NFIP claims are all-time; disaster counts are federally-declared major disasters). Medicare figures come from CMS’s 2026 Medicare Advantage & Part D landscape. All figures are labeled by their plan/data year and cited on each state page. This is general information, not advice — verify Medicare plans at medicare.gov and your flood risk at floodsmart.gov.

Data highlights

Which US state has paid the most flood insurance claims?+

Louisiana has the most paid NFIP flood insurance claims of any state — 484,979 claims all-time, per FEMA's OpenFEMA data. This reflects both heavy flood exposure and high National Flood Insurance Program participation.

Which state has had the most federally-declared flood disasters?+

Texas leads with 62 federally-declared flood-related major disasters all-time, according to FEMA disaster declaration records.

Which state has the most Medicare Advantage plans for 2026?+

Florida has the most Medicare Advantage plans available for 2026 — 611 plans offered statewide, per CMS. The number an individual can actually choose depends on their county.

Which state has the cheapest average Medicare Advantage premium in 2026?+

Vermont has the lowest average Medicare Advantage plan premium for 2026 at $0.00 per month, per CMS. Many states also offer $0-premium Medicare Advantage plans.

How many states does this insurance data cover, and where is it from?+

All 50 states plus the District of Columbia (51 jurisdictions). Flood figures come from FEMA's OpenFEMA data sets (paid NFIP claims and federally-declared disasters); Medicare figures come from the CMS 2026 Medicare Advantage & Part D State-by-State Fact Sheet.

Related guides and tools

← Browse all free tools

Michael Torres

Editorial Lead, Catastrophe & Commercial Property

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed July 2026

Get Insurance Rate Alerts

We monitor rate filings in all 50 states. Get notified when rates change in your area — and discover new ways to save.

✓State-specific rate change alerts
✓Seasonal enrollment deadline reminders
✓Expert tips to lower your premiums
✓New coverage options in your state

Free forever. Unsubscribe with one click. No spam, ever.

Important Disclaimer

This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.

US Insurance Data by StateThe numbers, ranked and visualized

States with the most paid flood-insurance claims

States with the most federally-declared flood disasters

States with the most Medicare Advantage plans (2026)

Lowest average Medicare Advantage premium (2026)

Data highlights

Related guides and tools

Get Insurance Rate Alerts