FEMA OpenFEMA NFIP Redacted Claims (v3)

The current public v3 claim-transaction product supplies dated NFIP flood-loss records with dataset as-of date, named flood event, state, ZIP, county, census GEOID, rounded coordinates, cumulative paid building, contents, and increased-cost-of-compliance claim amounts, and coverage and occupancy dimensions. The API accepts named flood-event and county-code filters, while FEMA also publishes reusable CSV and Parquet files. This supports observed historical NFIP insured flood-loss patterns by geography and observation period. Preserve the selected geography, event and window and the dataset as-of date, and label amounts as paid NFIP programme claim values; do not interpret them as all-market insured loss, total economic damage, or inflation-adjusted loss.

FEMA identifies the public product as a dataset of NFIP flood-insurance claim transactions. Live rows expose cumulative paid building, contents, and increased-cost-of-compliance claim amounts together with loss year and date, geography, occupancy and building-description codes, building-versus-contents coverage amounts, most recent payment date, and dataset as-of date. These fields support calculation of observed average paid severity for explicitly selected NFIP flood cohorts by geography, coverage component, and available property-class dimensions. The result is an external NFIP programme benchmark, not an all-carrier, ultimate, prospective, gross or net, or development-adjusted industry benchmark.

The public API returns NFIP flood-claim transactions with date of loss, named flood event when populated, and state, ZIP, county, census GEOID, and rounded coordinates; exact event-name and county-code filters returned unrelated records through the standing unauthenticated service. Those records provide supplemental evidence of when and where insured flood losses were reported and can support an explicitly claim-reported recurrence history for a defined area and window. Claim presence is not a complete flood-occurrence inventory and supplies no exposure denominator; do not treat the evidence as building-specific through containment or use water-depth fields as severity until units and semantics are documented. Preserve the geographic boundary, claim-event definition, observation window, NFIP coverage basis, and dataset as-of date.