Water Damage by State
Aggregated cost and flood risk data across 51 states — from HearthDry city database.
| State | Cities | Avg Cost Range | High Flood Risk Cities |
|---|---|---|---|
| Texas | 39 | $1,601–$8,920 | 9 |
| Florida | 30 | $2,107–$12,073 | 22 |
| California | 29 | $2,146–$13,782 | 6 |
| Virginia | 17 | $1,924–$10,976 | 7 |
| Arizona | 15 | $1,407–$7,927 | 0 |
| Washington | 15 | $1,933–$11,000 | 2 |
| Minnesota | 15 | $1,740–$9,100 | 0 |
| New York | 14 | $1,980–$11,055 | 6 |
| Pennsylvania | 14 | $1,371–$7,750 | 4 |
| Ohio | 14 | $1,321–$7,536 | 2 |
| Colorado | 14 | $1,750–$9,757 | 1 |
| Michigan | 14 | $1,450–$7,950 | 1 |
| Louisiana | 14 | $1,955–$12,309 | 12 |
| Tennessee | 13 | $1,531–$8,654 | 4 |
| Georgia | 13 | $1,515–$8,346 | 1 |
| New Jersey | 13 | $1,525–$8,521 | 5 |
| South Carolina | 13 | $1,569–$8,777 | 6 |
| Illinois | 12 | $1,633–$9,083 | 2 |
| Missouri | 12 | $1,433–$8,208 | 2 |
| North Carolina | 11 | $1,709–$9,773 | 2 |
| Massachusetts | 11 | $1,518–$8,864 | 2 |
| Oregon | 10 | $1,500–$8,800 | 1 |
| Connecticut | 9 | $1,533–$9,333 | 2 |
| Oklahoma | 8 | $1,400–$8,250 | 0 |
| Nevada | 8 | $1,875–$11,188 | 2 |
| Wisconsin | 8 | $1,513–$8,313 | 2 |
| Alabama | 8 | $1,466–$8,097 | 2 |
| Utah | 8 | $1,469–$8,306 | 0 |
| Indiana | 7 | $1,443–$8,429 | 1 |
| Maryland | 7 | $1,514–$9,071 | 1 |
| New Hampshire | 7 | $1,443–$8,286 | 0 |
| Kentucky | 6 | $1,417–$8,583 | 2 |
| Kansas | 6 | $1,500–$8,000 | 2 |
| Idaho | 6 | $1,442–$7,692 | 0 |
| Iowa | 6 | $1,383–$7,583 | 4 |
| Arkansas | 6 | $1,367–$7,583 | 0 |
| Mississippi | 6 | $1,442–$7,925 | 3 |
| New Mexico | 5 | $1,380–$7,260 | 0 |
| Nebraska | 5 | $1,440–$7,600 | 1 |
| Hawaii | 5 | $1,700–$8,900 | 2 |
| Alaska | 5 | $1,660–$9,200 | 2 |
| South Dakota | 5 | $1,320–$7,600 | 1 |
| Rhode Island | 5 | $1,520–$9,100 | 2 |
| Montana | 5 | $1,430–$8,430 | 0 |
| Delaware | 5 | $1,420–$8,400 | 1 |
| Maine | 5 | $1,400–$8,300 | 1 |
| Wyoming | 5 | $1,410–$7,630 | 0 |
| West Virginia | 5 | $1,400–$7,400 | 3 |
| North Dakota | 4 | $1,475–$8,000 | 2 |
| Vermont | 4 | $1,450–$7,875 | 0 |
| District of Columbia | 1 | $1,500–$8,500 | 0 |
Cite this research
State-level comparison built from public insurance and federal data.
HearthDry (2026). Water damage by state: claim frequency, cost and cause. https://hearthdry.com/research/water-damage-by-state
Free to quote and republish with attribution. Journalists and researchers can reach the analysis author through our contact page.