Flood insurance in District of Columbia
Flood insurance policies, average premiums, flood zones and claims history for District of Columbia, county by county, from official FEMA records.
Flood claims paid per year
NFIP claims paid in District of Columbia, 2000–2026
The three costliest years. The worst was 2011, with $1.6 million paid on 27 claims.
Insured buildings by flood zone
Zone not reported for 48% of policies; shares are of policies with a known zone.
Costliest flood events
Named events by NFIP claims paid in District of Columbia
| Event | Year | Claims | Paid |
|---|---|---|---|
| Flooding | 1996 | 10 | $373 thousand |
| Hurricane Irene | 2011 | 7 | $25 thousand |
| Hurricane Sandy | 2012 | 6 | $17 thousand |
| Hurricane Ida | 2021 | 1 | $8,866 |
| Tropical Storm Ophelia | 2023 | 3 | $7,076 |
Flood insurance by county
Counties in District of Columbia with detailed pages, by number of policies
| County | Policies | Avg premium | Claims since 1978 | Paid |
|---|---|---|---|---|
| District of Columbia | 2,167 | $615 | 501 | $5.5 million |
Common questions
How much does flood insurance cost in District of Columbia?
The average NFIP flood insurance policy in District of Columbia costs about $615 a year. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in District of Columbia?
There are about 2,167 National Flood Insurance Program policies in force in District of Columbia, according to FEMA's latest policy data. Private flood policies are not included.
How often does District of Columbia flood?
Since 1978, NFIP policyholders in District of Columbia have filed 501 flood claims, with $5.5 million paid out. 216 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.