NFIP — National Flood Insurance Program
Published by Federal Emergency Management Agency (FEMA)· monthly
The federal flood insurance program covering 5+ million U.S. properties, with redacted claims data showing actual flood-damage payouts by zip code and zone.
In Detail
The National Flood Insurance Program (NFIP) is the only widely available flood insurance in the United States, administered by FEMA and required for federally-backed mortgages on properties in Special Flood Hazard Areas (SFHAs — Zones A, AE, V). FEMA publishes redacted claims data showing actual flood-damage payouts: building damage amounts, contents damage amounts, year of loss, zip code, and FEMA flood zone. ValiFit ingests 200,000+ NFIP claims to compute zip-level flood insurance ratios (premiums vs. actual payouts) — surfacing where NFIP-rated risk matches reality and where it diverges. Critical signal as climate insurability becomes a top home-buying concern.
Primary Federal Source
https://www.fema.gov/flood-insuranceValiFit re-publishes and explains this federal data. The official source is the Federal Emergency Management Agency (FEMA).
How ValiFit uses NFIP
- Environment composite
- Property page flood risk display
- FHA flood insurance requirement detection