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More than a quarter million U.S. properties have repeated claims for federal flood insurance, costing the National Flood Insurance Program billions of dollars in claims, according to new federal data compiled by the National Resources Defense Council.

Four states account for more than half of repetitive loss properties (RLPs), led by Louisiana with more than 43,000. Texas has the next highest with over 41,000, followed by Florida (26,700) and New York (20,400).

Information on properties with repeated claims for federal flood insurance was hard to come until this year, when FEMA published data on properties with two or more National Flood Insurance Program (NFIP) claims.

NRDC, an environmental advocacy, used FEMA’s data to create a new mapping dashboard, Flooded Again, which provides data visualization of RLPs. While all 50 states have properties with repeated federal flood insurance claims, the bulk of RLPs are located in states along the East Coast and Gulf Coast.

Anna Weber, a senior policy analyst at NRDC, said more homes are being damaged by floods because of climate change combined with risky development and out-of-date infrastructure.

“Stronger hurricanes, more intense rainstorms and rising seas are all enacting a toll on people’s lives. We need changes at all levels of government to make communities safer,” Weber said.

Fewer than one in four RLPs have had risk mitigation action, like building elevation or floodproofing the first floor, NRDC said.

Only 13% of single-family homes are covered by federal flood insurance, according to estimates by the Society of Actuaries.

The National Resources Defense Council recommends FEMA should enact the following steps to protect those with, and without, flood insurance:

• Update the NFIP’s national floodplain development standards to account for worsening floods and put the brakes on risky development;
• Ensure that flood-risk maps are up to date and account for climate change;
• Be granted authority to make flood insurance more affordable for low- and middle-income households;
• Ensure that home buyers and renters understand and have the right to know their new home’s flood risk.

Topics USA Claims