National Flood Insurance Program
Actions to Address Repetitive Loss Properties Gao ID: GAO-04-401T March 25, 2004Floods have been, and continue to be, the most destructive natural hazard in terms of damage and economic loss to the nation. From fiscal year 1992 through fiscal year 2002, about 900 lives were lost due to flooding and flood damages totaled about $55 billion. Some properties have been repeatedly flooded and the subject of federal flood insurance claims. The Federal Emergency Management Agency (FEMA) within the Department of Homeland Security is responsible for assisting state and local governments, private entities, and individuals to prepare for, mitigate, respond to, and recover from natural disasters, including floods. The National Flood Insurance Program (NFIP) is the primary vehicle for FEMA's efforts to mitigate the impact of floods. The Senate Subcommittee on Economic Policy, Committee on Banking, Housing, and Urban Affairs, asked GAO to discuss (1) FEMA's approach to flood mitigation, (2) the effect of repetitive loss properties on the NFIP, and (3) recent actions taken or proposed to address the impact of repetitive loss properties on the NFIP.
FEMA has taken a multifaceted approach to mitigating, or minimizing the life and property losses and disaster assistance costs that result from flooding. Through the National Flood Insurance Program, FEMA develops and updates flood maps that identify flood prone areas and makes insurance available for communities that agree to adopt and enforce building standards based upon these maps. Since its inception in 1968, the National Flood Insurance Program has paid $12 billion in insurance claims to owners of flood-damage properties that have been funded primarily by policyholders' premiums that otherwise would have been paid through taxpayer-funded disaster relief or borne by home and business owners themselves. Through a variety of grant programs, FEMA also provides funding for mitigation planning activities and projects before and after floods occur. Repetitive loss properties represent a significant portion of annual flood insurance program claims. About 1 percent of the 4.4 million properties currently insured by the program are considered to be repetitive loss properties--properties for which policyholders have made two or more $1,000 flood claims. However, about 38 percent of all program claim costs have been the result of repetitive loss properties, at a cost of about $4.6 billion since 1978. Recent federal actions to reduce program losses related to repetitive loss properties include FEMA's strategy to target severe repetitive loss properties for mitigation and congressional proposals to phase out coverage or begin charging full and actuarially based rates for repetitive loss property owners who refuse to accept FEMA's offer to purchase or mitigate the effect of floods on these buildings. FEMA's strategy and the congressional proposals appear to have the potential to reduce the number and vulnerability of repetitive loss properties and, thereby, the potential to help reduce the number of flood insurance claims.
GAO-04-401T, National Flood Insurance Program: Actions to Address Repetitive Loss Properties
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Testimony:
Before the Subcommittee on Economic Policy, Committee on Banking,
Housing, and Urban Affairs, U.S. Senate:
United States General Accounting Office:
GAO:
For Release on Delivery Expected at 10:00 a.m. EDT:
Thursday, March 25, 2004:
NATIONAL FLOOD INSURANCE PROGRAM:
Actions to Address Repetitive Loss Properties:
Statement of William O. Jenkins, Jr., Director, Homeland Security &
Justice Issues:
GAO-04-401T:
GAO Highlights:
Highlights of GAO-04-401T, a report to Subcommittee on Economic
Policy, Senate Committee on Banking, Housing, and Urban Affairs
Why GAO Did This Study:
Floods have been, and continue to be, the most destructive natural
hazard in terms of damage and economic loss to the nation. From fiscal
year 1992 through fiscal year 2002, about 900 lives were lost due to
flooding and flood damages totaled about $55 billion. Some properties
have been repeatedly flooded and the subject of federal flood
insurance claims. The Federal Emergency Management Agency (FEMA)
within the Department of Homeland Security is responsible for
assisting state and local governments, private entities, and
individuals to prepare for, mitigate, respond to, and recover from
natural disasters, including floods. The National Flood Insurance
Program (NFIP) is the primary vehicle for FEMA‘s efforts to mitigate
the impact of floods.
The Senate Subcommittee on Economic Policy, Committee on Banking,
Housing, and Urban Affairs, asked GAO to discuss (1) FEMA‘s approach
to flood mitigation, (2) the effect of repetitive loss properties on
the NFIP, and (3) recent actions taken or proposed to address the
impact of repetitive loss properties on the NFIP.
What GAO Found:
FEMA has taken a multifaceted approach to mitigating, or minimizing
the life and property losses and disaster assistance costs that result
from flooding. Through the National Flood Insurance Program, FEMA
develops and updates flood maps that identify flood-prone areas and
makes insurance available for communities that agree to adopt and
enforce building standards based upon these maps. Since its inception
in 1968, the National Flood Insurance Program has paid $12 billion in
insurance claims to owners of flood-damage properties that have been
funded primarily by policyholders‘ premiums, thus saving the federal
government from paying all damage-related expenses in the aftermath of
floods. Through a variety of grant programs, FEMA also provides
funding for mitigation planning activities and projects before and
after floods occur.
Repetitive loss properties represent a significant portion of annual
flood insurance program losses. About 1 percent of the 4.4 million
properties currently insured by the program are considered to be
repetitive loss properties”properties for which policyholders have
made two or more $1,000 flood claims. However, about 38 percent of all
program claims have been the result of repetitive loss properties, at
a cost of about $200 million annually or about $4.6 billion since
1978.
Recent federal actions to reduce program losses related to repetitive
loss properties include FEMA‘s strategy to target severe repetitive
loss properties for mitigation and congressional proposals to phase
out coverage or begin charging full and actuarially based rates for
repetitive loss property owners who refuse to accept FEMA‘s offer to
purchase or mitigate the effect of floods on these buildings. FEMA‘s
strategy and the congressional proposals appear to have the potential
to reduce the number and vulnerability of repetitive loss properties
and, thereby, the potential to help reduce the number of flood
insurance claims.
www.gao.gov/cgi-bin/getrpt?GAO-04-401T.
To view the full product, including the scope and methodology, click
on the link above. For more information, contact William O. Jenkins at
(202) 512-8757 or jenkinsw@gao.gov.
[End of section]
Mr. Chairman and Members of the Subcommittee:
I appreciate the opportunity to participate in today's hearing to
discuss the National Flood Insurance Program and the effect on the
program of repetitive loss properties--properties with two or more
losses greater than $1,000 in a 10-year period. Floods have been, and
continue to be, the most destructive natural hazard in terms of
economic loss to the nation, as well as the cause of hundreds of deaths
in communities across the nation. During the 10 years from fiscal year
1992 through fiscal year 2001, flooding resulted in about $55 billion
in damages and about 900 deaths. During that period, the federal
government paid about $7.7 billion in federal flood insurance claims
financed primarily through policyholder premiums paid into the National
Flood Insurance Fund.
The Federal Emergency Management Agency (FEMA) within the Department of
Homeland Security (DHS) is the primary federal agency responsible for
assisting state and local governments, private entities, and
individuals to prepare for, mitigate,[Footnote 1] respond to, and
recover from natural disasters, including floods. FEMA's National Flood
Insurance Program has served as a key component of the agency's efforts
to minimize or mitigate the damage and financial impact of floods on
the public, as well as to limit federal expenditures needed after
floods occur. The program has been credited by the administration with
saving $1 billion annually by improving floodplain management and
setting building standards--such as one to elevate structures--that
have minimized flood damages. However, in the past, we have identified
a number of concerns about the program's financial viability, including
how repetitive loss properties have contributed to the program's long-
term losses. Recent actions have been taken or proposed by the
administration and Members of Congress to address the challenge posed
by repetitive loss properties.
My testimony today is based primarily on our past work. I will provide
a perspective on (1) FEMA's approach to mitigating flood-related losses
through the flood insurance program and other grant programs, (2) the
effect of repetitive loss properties on the flood insurance program,
and (3) recent actions taken or proposed to address the impact of
repetitive loss properties on the program by FEMA and the Congress.
In summary:
* FEMA has taken a multifaceted approach to mitigating flood-related
losses. Through the flood insurance program, FEMA identifies and maps
flood prone communities and makes insurance available to property
owners in communities that agree to adopt and enforce building
standards to mitigate the impact of floods. FEMA also provides funding
for mitigation planning activities and projects before and after floods
occur through various mitigation grant programs.
* Repetitive loss properties represent a significant portion of annual
flood insurance claims. While repetitive loss properties represent only
about 1 percent of the current 4.4 million properties insured by the
program, they have accounted for about 38 percent of all program claim
costs historically and are projected by FEMA to cost about $200 million
annually. Since 1978, the total cost of these repetitive loss
properties to the program has been about $4.6 billion.
* Recent federal actions to reduce program claims related to repetitive
loss properties include FEMA's strategy to target the most frequent and
costly repetitive loss properties for mitigation and congressional
proposals to phase out coverage or begin charging full and actuarially
based rates for repetitive loss property owners who refuse to accept
FEMA's offer to purchase or mitigate the affected buildings. These
actions have the potential to reduce future program losses and improve
the financial condition of the program.
Background:
Floods continue to be the most destructive natural hazard in terms of
damage and economic loss to the nation. Property damage from flooding
now totals over $1 billion each year in the United States and floods
occur within all 50 states. Nearly 9 of every 10 presidential disaster
declarations result from natural phenomena in which flooding was a
major component. Most communities in the United States can experience
some kind of flooding after spring rains, heavy thunderstorms, or
winter snow thaws. Not only do floods cause damage and loss, they can
be deadly--flooding caused the deaths of about 900 people from fiscal
year 1992 through fiscal year 2001. Tropical Storm Allison, which
struck the Gulf Coast in June 2001, demonstrated the economic and
social impact flooding can have, causing billions of dollars in damages
and 41 deaths. As a result of the storm, FEMA paid out over $1 billion
in insurance claims, the largest amount paid for a single event since
1978 when FEMA began to collect summary statistics on flood claims.
More recently, Hurricane Isabel ravaged the Mid-Atlantic states in
September 2003. Through November 30, 2003, FEMA had paid over $160
million in flood insurance claims and estimates that ultimately, flood
insurance claim payments resulting from Isabel will be about $450
million. At least 40 deaths have been attributed to the storm.
Floods can be slow or fast rising but generally develop over a period
of days. Flash flood waters move at very fast speeds and can roll
boulders, tear out trees, destroy buildings, and obliterate bridges.
Walls of water can reach heights of 10 to 20 feet and generally are
accompanied by a deadly cargo of debris. Flood damage causes both
direct and indirect costs. Direct costs reflect immediate losses and
repair costs as well as short-term costs such as flood fighting,
temporary housing, and administrative assistance. By contrast, indirect
costs are incurred in an extended time period following a flood and
include loss of business and personal income (including permanent loss
of employment), reduction in property values, increased insurance
costs, loss of tax revenue, psychological trauma, and disturbance to
ecosystems. In 1968, in recognition of the increasing amount of flood
damage, the lack of readily available insurance for property owners,
and the cost to the taxpayer for flood-related disaster relief, the
Congress passed the National Flood Insurance Act (Pub. L. No. 90-448)
that created the National Flood Insurance Program.
FEMA Has Sought to Minimize Flood-Related Losses Through the National
Flood Insurance Program and Various Mitigation Grant Programs:
Through the National Flood Insurance Program, FEMA has sought to
minimize flood-related property losses by making flood insurance
available on reasonable terms and encouraging its purchase by people
who need flood insurance protection--particularly those living in flood
prone areas. The program identifies flood prone areas in the country,
makes flood insurance available to property owners in communities that
participate in the program,[Footnote 2] and requires floodplain
building standards to mitigate flood hazards. FEMA also seeks to
mitigate flood hazards through a variety of mitigation grant programs.
Under the flood insurance program, FEMA prepares flood insurance rate
maps to delineate flood prone areas including special flood hazard
areas--also known as 100-year floodplains[Footnote 3]--where enhanced
building standards and insurance requirements apply. Currently, FEMA is
in the initial stages of a billion dollar effort to update the nation's
flood maps. The Map Modernization program is intended to improve the
accuracy of flood maps, put the maps in digital format to improve their
accessibility, and provide the basis for assessing the impact of other
hazards in support of DHS's efforts to protect the nation from both
man-made and natural disasters. For example, the maps could be used to
assess the impact of toxic chemical spills on local waterways. At the
request of the Chairman of the House Financial Services Subcommittee on
Housing and Community Opportunity, we have been reviewing the Map
Modernization program and plan to report on FEMA's program strategy and
the status of the program later this spring.
Flood maps provide the basis for establishing floodplain building
standards that participating communities must adopt and enforce as part
of the program. For a community to participate in the program, any
structures built within a special flood hazard area after the flood map
was completed must be built according to the program's building
standards that are aimed at minimizing flood losses. A key component of
the program's building standards that must be followed by participating
communities is a requirement that the lowest floor of the structure be
elevated to or above the base flood level--the highest elevation at
which there is a 1-percent chance of flooding in a given year. The
administration has estimated that the program's standards for new
construction save about $1 billion annually in flood damage avoided.
According to FEMA, buildings constructed in compliance with these
standards suffer approximately 80 percent less damage annually than
those not built according to these standards.
Flood maps also provide the basis for setting insurance rates and
identifying properties whose owners are required to purchase flood
insurance. When the program was created, the purchase of flood
insurance was voluntary. To increase the impact of the program, the
Congress amended the original law in 1973 to require the purchase of
flood insurance in certain circumstances. Flood insurance is required
for structures in special flood hazard areas of communities
participating in the program if (1) any federal loans or grants were
used to acquire or build the structures or (2) the structures are
secured by mortgage loans made by lending institutions that are
regulated by the federal government.[Footnote 4] The National Flood
Insurance Reform Act of 1994 that further amended the program also
reinforced the objective of using insurance as the preferred mechanism
for disaster assistance. The act expanded the role of federal agency
lenders and regulators in enforcing the mandatory flood insurance
purchase requirements. It also prohibited further flood disaster
assistance for any property where flood insurance was not maintained
even though it was mandated as a condition for receiving prior disaster
assistance. Currently, the program provides insurance for approximately
4.4 million policyholders in the nearly 20,000 communities that
participate in the program. The program has paid about $12 billion in
insurance claims, primarily from policyholder premiums that otherwise
would have been paid through taxpayer-funded disaster relief or borne
by home and business owners themselves.
FEMA also has a variety of grant programs designed to mitigate the
effects of natural hazards, including flooding, on people and property.
From October 1989 through July 2003, FEMA funded approximately 3,900
flood mitigation projects worth about $2 billion through the flood
insurance program and a variety of other grant programs. Through these
projects, FEMA mitigated over 29,000 properties. FEMA's Flood
Mitigation Assistance Program is funded through the flood insurance
program and is designed to reduce claims under the program. Grants
provided to states and communities are to be used for flood related
mitigation activities such as elevation, acquisition, and relocation of
buildings insured by the flood insurance program. In implementing this
program, FEMA has encouraged states to prioritize project grant
applications that include repetitive loss properties. In addition, FEMA
provides funding for mitigation planning activities and projects before
and after floods occur, respectively through the Pre-Disaster
Mitigation Program and the Hazard Mitigation Grant Program. In
implementing the Pre-Disaster Mitigation Program for 2003, FEMA
specifically targeted projects designed to mitigate repetitive loss
properties. Through the Hazard Mitigation Grant Program, FEMA estimates
that it has mitigated over 2,500 repetitive loss properties through
acquisitions, elevations, and other flood protection measures.
Payments for Repetitive Losses Contribute to Program Financial
Concerns:
The flood insurance program has raised financial concerns because, over
the years, it has lost money and at times has had to borrow funds from
the U.S. Treasury. One of the primary reasons--payments for repetitive
loss properties--has been consistently identified in our past work and
by FEMA. About 49,000--approximately 1 percent of the 4.4 million
buildings currently insured under the program--have been flooded on
more than one occasion during a 10-year period and have received flood
insurance payments of $1,000 or more for each claim. These repetitive
loss properties are problematic not only because of their vulnerability
to flooding but also because of the costs of repeatedly repairing flood
damages. For example, a 1998 study by the National Wildlife Federation
noted that nearly 1 out of every 10 repetitive loss homes has had
cumulative flood loss claims that exceeded the value of the house.
According to FEMA, repetitive loss properties have accounted for about
38 percent of all program claim costs historically and are projected by
FEMA to cost about $200 million annually. Since 1978, the total cost of
these repetitive loss properties to the program has been about $4.6
billion. Nearly half of all nationwide repetitive loss property
insurance payments had been made in Louisiana, Florida and Texas. For
example, in Texas, since 1978 there have been approximately 45,000
flood claims totaling over $1 billion for repetitive damage. These 3
states, plus 12 others, have accounted for nearly 90 percent of the
total payments made for repetitive loss properties.
FEMA has Developed a Strategy and Members of Congress Have Proposed
Changes to Address Repetitive Losses:
FEMA has developed a strategy to reduce the number of properties
repeatedly flooded that, like congressional proposals, seeks to target
repetitive loss properties with the greatest losses. FEMA's strategy
identifies the highest priority properties, for example those with four
or more losses, that would benefit from mitigation activities designed
to remove them altogether from the floodplains, elevate them above the
reach of floodwaters, or apply other measures that would significantly
reduce their exposure to flood risk. According to FEMA, it has paid out
close to $1 billion dollars in flood insurance claims over the last 21
years for these properties. As of November 30, 2003 FEMA had identified
approximately 11,000 currently insured repetitive loss properties in
this target group. FEMA has set up a special direct facility for
servicing these properties and provides information about these
property to state and local floodplain management officials. States or
communities may sponsor projects to mitigate flood losses to these
properties or may be able to provide property owners technical
assistance on mitigation options. To facilitate grant-funded mitigation
activities[Footnote 5] for this target group, FEMA also initiated a
pilot program to allow states and communities (where these properties
are located) to use simplified methodology and software to establish
the cost-effectiveness of proposed projects when applying for grants to
mitigate these repetitive loss properties.
Members of Congress have also recognized the financial burden
repetitive loss properties place on the program and have proposed
changing premium rates for properties with the greatest losses. Two
bills introduced in 2003--H.R. 253 and H.R. 670--proposed amending the
National Flood Insurance Act of 1968, to, among other things, change
the premiums for repetitive loss properties. Under the proposed bills,
premiums charged for such properties would reflect actuarially based
rates[Footnote 6] if the property owner has refused a buyout,
elevation, or other flood mitigation measure from the flood insurance
program or FEMA. H.R. 253, as passed by the House, included a pilot
program to allow FEMA to use flood insurance program funds to target
"severe" repetitive loss properties for mitigation. Specifically, FEMA
could use up to $40 million each year for the next 5 years for
mitigation directed at these properties. For property owners who refuse
FEMA's mitigation offers, their premium rates would be increased by 50
percent if they subsequently made a claim to the program exceeding
$1,500.[Footnote 7] In the past, we have noted that increasing
policyholder premiums could cause some of the policyholders to cancel
their flood insurance.[Footnote 8] H.R. 253 includes a provision that
provides FEMA the flexibility of increasing the deductible, which would
result in a lower premium rate, for policies where property owners
refuse mitigation offers and make subsequent claims exceeding $1,500.
This may provide property owners who refuse mitigation offers a means
for maintaining their flood insurance without a significant increase in
their premium rate.
While we have not fully analyzed the potential results of FEMA's
repetitive loss strategy and mitigation actions proposed by H.R. 253,
based on a preliminary assessment, they appear to have the potential to
reduce the number and/or vulnerability of repetitive loss properties
and, thereby, the potential to help improve the program's financial
condition. By making near term investments targeted to the most costly
properties to insure, FEMA should be able to reduce annual expenditures
for these properties in the long term by reducing the national
inventory of repetitive loss properties.
According to FEMA, there are a total of about 100,000 repetitive loss
properties accounting for $4.6 billion in losses since 1978. Of these
properties, FEMA reports that there are about 49,000 properties that
are currently insured that have accounted for about $2.6 billion in
losses since 1978. Of these currently insured properties, about 6,000
repetitive loss properties that have accounted for about $792 million
in losses since 1978 could be considered for mitigation efforts funded
through the pilot program proposed by H.R. 253. In accordance with the
bill's proposed criteria, each of these properties either had 4 or more
separate claims each exceeding $5,000 with cumulative claims exceeding
$20,000 or had at least 2 separate claims with cumulative losses
exceeding the value of the property. The remaining 43,000 currently
insured repetitive loss properties, accounting for $1.8 billion in
losses since 1978, do not meet the criteria for the proposed pilot
program. Of these properties that would not be eligible for the pilot
program, about 26,000 properties, accounting for about $1.6 billion in
losses since 1978, had cumulative losses greater than $20,000, but
either (1) less than 4 claims had been filed or (2) each claim did not
meet the $5,000 threshold. (For state by state details on the total
number of repetitive loss properties, the number of currently insured
repetitive loss properties, the number of currently insured repetitive
loss properties that meet the criteria proposed in the H.R. 253 pilot
program, and the number of currently insured repetitive loss properties
that do not meet the criteria, see appendix 1, tables 1, 2, 3, and 4,
respectively.):
As with all federal initiatives, the success of FEMA 's efforts in
implementing a repetitive loss strategy and any future legislated
program directives will be most effectively determined by using
outcome-based, rather than output-based performance measures. Such
outcome-based measures could allow FEMA to assess the impact of savings
to the National Flood Insurance Program resulting from its mitigation
of repetitive loss properties.
Mr. Chairman, this concludes my statement. I would be pleased to answer
any questions that you or other members of the Subcommittee may have.
Contact Information:
For further information on this testimony, please contact William O.
Jenkins at (202) 512-8777. Individuals making key contributions to this
testimony include Chris Keisling, Kirk Kiester, and Meg Ullengren.
[End of section]
Appendix I: Data on Repetitive Loss Properties For the Period January
1, 1978 through November 30, 2003:
This appendix contains data we obtained from FEMA's National Flood
Insurance Program Bureau & Statistical Agent on repetitive loss
properties and the flood insurance losses associated with those
properties. To assess the reliability of this data, we interviewed
agency officials knowledgeable about the data and the system
development manager responsible for maintaining the data and the
systems. We determined that the data were sufficiently reliable for
identifying repetitive loss properties and illustrating the potential
impact of the pilot program proposed by H.R. 253 on these properties.
Table 1: Total Number of Repetitive Loss Properties As Defined by FEMA
and the Total Losses Incurred by These Properties:
State or Territory: Alabama;
Number of repetitive loss properties: 1,835;
Dollar amount of losses for repetitive loss properties: $83,691,091.
State or Territory: Alaska;
Number of repetitive loss properties: 19;
Dollar amount of losses for repetitive loss properties: $468,843.
State or Territory: Arizona;
Number of repetitive loss properties: 175;
Dollar amount of losses for repetitive loss properties: $4,884,758.
State or Territory: Arkansas;
Number of repetitive loss properties: 321;
Dollar amount of losses for repetitive loss properties: $11,941,534.
State or Territory: California;
Number of repetitive loss properties: 2,628;
Dollar amount of losses for repetitive loss properties: $124,044,903.
State or Territory: Colorado;
Number of repetitive loss properties: 36;
Dollar amount of losses for repetitive loss properties: $748,159.
State or Territory: Connecticut;
Number of repetitive loss properties: 1,054;
Dollar amount of losses for repetitive loss properties: $44,163,664.
State or Territory: Delaware;
Number of repetitive loss properties: 281;
Dollar amount of losses for repetitive loss properties: $12,615,552.
State or Territory: District of Columbia;
Number of repetitive loss properties: 10;
Dollar amount of losses for repetitive loss properties: $585,392.
State or Territory: Florida;
Number of repetitive loss properties: 9,019;
Dollar amount of losses for repetitive loss properties: $421,344,255.
State or Territory: Georgia;
Number of repetitive loss properties: 855;
Dollar amount of losses for repetitive loss properties: $41,425,873.
State or Territory: Guam;
Number of repetitive loss properties: 12;
Dollar amount of losses for repetitive loss properties: $385,619.
State or Territory: Hawaii;
Number of repetitive loss properties: 144;
Dollar amount of losses for repetitive loss properties: $9,546,830.
State or Territory: Idaho;
Number of repetitive loss properties: 14;
Dollar amount of losses for repetitive loss properties: $579,663.
State or Territory: Illinois;
Number of repetitive loss properties: 1,762;
Dollar amount of losses for repetitive loss properties: $54,387,720.
State or Territory: Indiana;
Number of repetitive loss properties: 616;
Dollar amount of losses for repetitive loss properties: $18,583,212.
State or Territory: Iowa;
Number of repetitive loss properties: 503;
Dollar amount of losses for repetitive loss properties: $18,829,467.
State or Territory: Kansas;
Number of repetitive loss properties: 323;
Dollar amount of losses for repetitive loss properties: $17,044,737.
State or Territory: Kentucky;
Number of repetitive loss properties: 1,117;
Dollar amount of losses for repetitive loss properties: $55,283,294.
State or Territory: Louisiana;
Number of repetitive loss properties: 20,534;
Dollar amount of losses for repetitive loss properties: $810,411,024.
State or Territory: Maine;
Number of repetitive loss properties: 125;
Dollar amount of losses for repetitive loss properties: $5,946,516.
State or Territory: Maryland;
Number of repetitive loss properties: 508;
Dollar amount of losses for repetitive loss properties: $23,776,971.
State or Territory: Massachusetts;
Number of repetitive loss properties: 2,140;
Dollar amount of losses for repetitive loss properties: $88,096,542.
State or Territory: Michigan;
Number of repetitive loss properties: 351;
Dollar amount of losses for repetitive loss properties: $9,186,190.
State or Territory: Minnesota;
Number of repetitive loss properties: 353;
Dollar amount of losses for repetitive loss properties: $11,223,627.
State or Territory: Mississippi;
Number of repetitive loss properties: 3,281;
Dollar amount of losses for repetitive loss properties: $127,911,429.
State or Territory: Missouri;
Number of repetitive loss properties: 3,953;
Dollar amount of losses for repetitive loss properties: $190,678,940.
State or Territory: Montana;
Number of repetitive loss properties: 35;
Dollar amount of losses for repetitive loss properties: $706,576.
State or Territory: Nebraska;
Number of repetitive loss properties: 300;
Dollar amount of losses for repetitive loss properties: $7,855,929.
State or Territory: Nevada;
Number of repetitive loss properties: 21;
Dollar amount of losses for repetitive loss properties: $1,699,859.
State or Territory: New Hampshire;
Number of repetitive loss properties: 91;
Dollar amount of losses for repetitive loss properties: $2,489,816.
State or Territory: New Jersey;
Number of repetitive loss properties: 6,126;
Dollar amount of losses for repetitive loss properties: $265,701,909.
State or Territory: New Mexico;
Number of repetitive loss properties: 12;
Dollar amount of losses for repetitive loss properties: $430,851.
State or Territory: New York;
Number of repetitive loss properties: 6,988;
Dollar amount of losses for repetitive loss properties: $195,600,245.
State or Territory: North Carolina;
Number of repetitive loss properties: 5,767;
Dollar amount of losses for repetitive loss properties: $268,496,176.
State or Territory: North Dakota;
Number of repetitive loss properties: 111;
Dollar amount of losses for repetitive loss properties: $5,194,653.
State or Territory: Ohio;
Number of repetitive loss properties: 1,003;
Dollar amount of losses for repetitive loss properties: $33,594,150.
State or Territory: Oklahoma;
Number of repetitive loss properties: 757;
Dollar amount of losses for repetitive loss properties: $33,569,657.
State or Territory: Oregon;
Number of repetitive loss properties: 251;
Dollar amount of losses for repetitive loss properties: $13,325,203.
State or Territory: Pennsylvania;
Number of repetitive loss properties: 2,670;
Dollar amount of losses for repetitive loss properties: $134,421,074.
State or Territory: Puerto Rico;
Number of repetitive loss properties: 1,838;
Dollar amount of losses for repetitive loss properties: $45,025,945.
State or Territory: Rhode Island;
Number of repetitive loss properties: 167;
Dollar amount of losses for repetitive loss properties: $9,869,855.
State or Territory: South Carolina;
Number of repetitive loss properties: 1,248;
Dollar amount of losses for repetitive loss properties: $68,927,019.
State or Territory: South Dakota;
Number of repetitive loss properties: 69;
Dollar amount of losses for repetitive loss properties: $2,140,281.
State or Territory: Tennessee;
Number of repetitive loss properties: 641;
Dollar amount of losses for repetitive loss properties: $24,452,981.
State or Territory: Texas;
Number of repetitive loss properties: 15,777;
Dollar amount of losses for repetitive loss properties: $1,039,278,392.
State or Territory: Utah;
Number of repetitive loss properties: 5;
Dollar amount of losses for repetitive loss properties: $174,244.
State or Territory: Vermont;
Number of repetitive loss properties: 46;
Dollar amount of losses for repetitive loss properties: $1,412,547.
State or Territory: Virgin Islands;
Number of repetitive loss properties: 181;
Dollar amount of losses for repetitive loss properties: $17,088,798.
State or Territory: Virginia;
Number of repetitive loss properties: 1,676;
Dollar amount of losses for repetitive loss properties: $87,661,854.
State or Territory: Washington;
Number of repetitive loss properties: 604;
Dollar amount of losses for repetitive loss properties: $31,294,466.
State or Territory: West Virginia;
Number of repetitive loss properties: 1,707;
Dollar amount of losses for repetitive loss properties: $65,014,451.
State or Territory: Wisconsin;
Number of repetitive loss properties: 350;
Dollar amount of losses for repetitive loss properties: $10,698,243.
State or Territory: Wyoming;
Number of repetitive loss properties: 5;
Dollar amount of losses for repetitive loss properties: $157,285.
State or Territory: Total;
Number of repetitive loss properties: 100,415;
Dollar amount of losses for repetitive loss properties: $4,554,068,263.
Source: FEMA:
Note: This table contains data from January 1,1978 to November 30,
2003. Repetitive loss properties are defined by FEMA as properties
that have been flooded on more than one occasion during a 10-year
period and have received flood insurance payments of $1,000 or more
for each claim.
[End of table]
Table 2: Total Number of Currently Insured Repetitive Loss Properties
As Defined by FEMA and the Total Losses Incurred by These Properties:
State or Territory: Alabama;
Number of repetitive loss properties currently insured: 1,113;
Dollar amount of losses for insured repetitive loss properties:
$54,763,624.
State or Territory: Alaska;
Number of repetitive loss properties currently insured: 9;
Dollar amount of losses for insured repetitive loss properties:
$250,401.
State or Territory: Arizona;
Number of repetitive loss properties currently insured: 34;
Dollar amount of losses for insured repetitive loss properties:
$979,728.
State or Territory: Arkansas;
Number of repetitive loss properties currently insured: 98;
Dollar amount of losses for insured repetitive loss properties:
$5,214,244.
State or Territory: California;
Number of repetitive loss properties currently insured: 1,315;
Dollar amount of losses for insured repetitive loss properties:
$70,297,658.
State or Territory: Colorado;
Number of repetitive loss properties currently insured: 15;
Dollar amount of losses for insured repetitive loss properties:
$288,285.
State or Territory: Connecticut;
Number of repetitive loss properties currently insured: 551;
Dollar amount of losses for insured repetitive loss properties:
$25,762,758.
State or Territory: Delaware;
Number of repetitive loss properties currently insured: 166;
Dollar amount of losses for insured repetitive loss properties:
$9,093,706.
State or Territory: District of Columbia;
Number of repetitive loss properties currently insured: 2;
Dollar amount of losses for insured repetitive loss properties:
$262,095.
State or Territory: Florida;
Number of repetitive loss properties currently insured: 5,844;
Dollar amount of losses for insured repetitive loss properties:
$285,678,979.
State or Territory: Georgia;
Number of repetitive loss properties currently insured: 449;
Dollar amount of losses for insured repetitive loss properties:
$24,230,607.
State or Territory: Guam;
Number of repetitive loss properties currently insured: 9;
Dollar amount of losses for insured repetitive loss properties:
$326,419.
State or Territory: Hawaii;
Number of repetitive loss properties currently insured: 63;
Dollar amount of losses for insured repetitive loss properties:
$5,698,632.
State or Territory: Idaho;
Number of repetitive loss properties currently insured: 5;
Dollar amount of losses for insured repetitive loss properties:
$269,659.
State or Territory: Illinois;
Number of repetitive loss properties currently insured: 602;
Dollar amount of losses for insured repetitive loss properties:
$23,203,936.
State or Territory: Indiana;
Number of repetitive loss properties currently insured: 262;
Dollar amount of losses for insured repetitive loss properties:
$9,337,064.
State or Territory: Iowa;
Number of repetitive loss properties currently insured: 233;
Dollar amount of losses for insured repetitive loss properties:
$10,310,670.
State or Territory: Kansas;
Number of repetitive loss properties currently insured: 86;
Dollar amount of losses for insured repetitive loss properties:
$7,472,586.
State or Territory: Kentucky;
Number of repetitive loss properties currently insured: 559;
Dollar amount of losses for insured repetitive loss properties:
$33,985,283.
State or Territory: Louisiana;
Number of repetitive loss properties currently insured: 11,211;
Dollar amount of losses for insured repetitive loss properties:
$519,823,924.
State or Territory: Maine;
Number of repetitive loss properties currently insured: 60;
Dollar amount of losses for insured repetitive loss properties:
$3,389,180.
State or Territory: Maryland;
Number of repetitive loss properties currently insured: 285;
Dollar amount of losses for insured repetitive loss properties:
$15,190,465.
State or Territory: Massachusetts;
Number of repetitive loss properties currently insured: 1,433;
Dollar amount of losses for insured repetitive loss properties:
$62,583,805.
State or Territory: Michigan;
Number of repetitive loss properties currently insured: 79;
Dollar amount of losses for insured repetitive loss properties:
$4,171,667.
State or Territory: Minnesota;
Number of repetitive loss properties currently insured: 148;
Dollar amount of losses for insured repetitive loss properties:
$5,682,443.
State or Territory: Mississippi;
Number of repetitive loss properties currently insured: 1,248;
Dollar amount of losses for insured repetitive loss properties:
$64,364,366.
State or Territory: Missouri;
Number of repetitive loss properties currently insured: 935;
Dollar amount of losses for insured repetitive loss properties:
$67,498,430.
State or Territory: Montana;
Number of repetitive loss properties currently insured: 7;
Dollar amount of losses for insured repetitive loss properties:
$179,171.
State or Territory: Nebraska;
Number of repetitive loss properties currently insured: 52;
Dollar amount of losses for insured repetitive loss properties:
$1,477,567.
State or Territory: Nevada;
Number of repetitive loss properties currently insured: 11;
Dollar amount of losses for insured repetitive loss properties:
$838,471.
State or Territory: New Hampshire;
Number of repetitive loss properties currently insured: 38;
Dollar amount of losses for insured repetitive loss properties:
$1,580,076.
State or Territory: New Jersey;
Number of repetitive loss properties currently insured: 3,584;
Dollar amount of losses for insured repetitive loss properties:
$166,181,042.
State or Territory: New Mexico;
Number of repetitive loss properties currently insured: 6;
Dollar amount of losses for insured repetitive loss properties:
$147,581.
State or Territory: New York;
Number of repetitive loss properties currently insured: 2,741;
Dollar amount of losses for insured repetitive loss properties:
$98,779,008.
State or Territory: North Carolina;
Number of repetitive loss properties currently insured: 4,132;
Dollar amount of losses for insured repetitive loss properties:
$182,941,805.
State or Territory: North Dakota;
Number of repetitive loss properties currently insured: 25;
Dollar amount of losses for insured repetitive loss properties:
$959,524.
State or Territory: Ohio;
Number of repetitive loss properties currently insured: 428;
Dollar amount of losses for insured repetitive loss properties:
$19,956,150.
State or Territory: Oklahoma;
Number of repetitive loss properties currently insured: 238;
Dollar amount of losses for insured repetitive loss properties:
$14,035,032.
State or Territory: Oregon;
Number of repetitive loss properties currently insured: 148;
Dollar amount of losses for insured repetitive loss properties:
$8,885,004.
State or Territory: Pennsylvania;
Number of repetitive loss properties currently insured: 1,111;
Dollar amount of losses for insured repetitive loss properties:
$71,048,345.
State or Territory: Puerto Rico;
Number of repetitive loss properties currently insured: 340;
Dollar amount of losses for insured repetitive loss properties:
$15,165,298.
State or Territory: Rhode Island;
Number of repetitive loss properties currently insured: 76;
Dollar amount of losses for insured repetitive loss properties:
$5,067,871.
State or Territory: South Carolina;
Number of repetitive loss properties currently insured: 608;
Dollar amount of losses for insured repetitive loss properties:
$32,024,539.
State or Territory: South Dakota;
Number of repetitive loss properties currently insured: 23;
Dollar amount of losses for insured repetitive loss properties:
$974,108.
State or Territory: Tennessee;
Number of repetitive loss properties currently insured: 328;
Dollar amount of losses for insured repetitive loss properties:
$16,149,183.
State or Territory: Texas;
Number of repetitive loss properties currently insured: 6,118;
Dollar amount of losses for insured repetitive loss properties:
$529,656,763.
State or Territory: Utah;
Number of repetitive loss properties currently insured: 2;
Dollar amount of losses for insured repetitive loss properties:
$141,441.
State or Territory: Vermont;
Number of repetitive loss properties currently insured: 21;
Dollar amount of losses for insured repetitive loss properties:
$826,362.
State or Territory: Virgin Islands;
Number of repetitive loss properties currently insured: 72;
Dollar amount of losses for insured repetitive loss properties:
$7,640,852.
State or Territory: Virginia;
Number of repetitive loss properties currently insured: 1,001;
Dollar amount of losses for insured repetitive loss properties:
$50,679,980.
State or Territory: Washington;
Number of repetitive loss properties currently insured: 296;
Dollar amount of losses for insured repetitive loss properties:
$18,570,981.
State or Territory: West Virginia;
Number of repetitive loss properties currently insured: 769;
Dollar amount of losses for insured repetitive loss properties:
$34,191,301.
State or Territory: Wisconsin;
Number of repetitive loss properties currently insured: 208;
Dollar amount of losses for insured repetitive loss properties:
$6,629,724.
State or Territory: Wyoming;
Number of repetitive loss properties currently insured: 2;
Dollar amount of losses for insured repetitive loss properties:
$33,971.
State or Territory: Total;
Number of repetitive loss properties currently insured: 49,199;
Dollar amount of losses for insured repetitive loss properties:
$2,594,891,765.
Source: FEMA:
Note: This table contains data from January 1,1978 to November 30,
2003. Repetitive loss properties are defined by FEMA as properties that have been flooded on more than one occasion during a 10-year period and have received flood insurance payments of $1,000 or more for each claim.
[End of table]
Table 3: Total Number of Insured Repetitive Loss Properties That Meet
H.R. 253 Severe Repetitive Loss Criteria and Total Losses Incurred by
These Properties:
State or Territory: Alabama;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 1,113;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: $54,763,624;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 54;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: $6,463,851;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 28;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $2,420,400.
State or Territory: Alaska;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 9;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 250,401;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Arizona;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 34;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 979,728;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 5;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $175,759.
State or Territory: Arkansas;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 98;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 5,214,244;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 12;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,708,354;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: California;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 1,315;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 70,297,658;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 98;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 12,693,031;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 75;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $5,295,799.
State or Territory: Colorado;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 15;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 288,285;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Connecticut;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 551;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 25,762,758;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 52;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 5,849,156;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 18;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $1,717,645.
State or Territory: Delaware;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 166;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 9,093,706;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 14;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 3,671,582;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $85,990.
State or Territory: District of Columbia;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 2;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 262,095;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 256,863;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Florida;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 5,844;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 285,678,979;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 295;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 44,395,241;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 129;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $12,033,520.
State or Territory: Georgia;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 449;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 24,230,607;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 17;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,184,752;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 27;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $2,912,849.
State or Territory: Guam;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 9;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 326,419;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Hawaii;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 63;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 5,698,632;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 6;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 864,053;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 5;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $498,404.
State or Territory: Idaho;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 5;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 269,659;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 118,865;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Illinois;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 602;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 23,203,936;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 61;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 6,352,145;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 30;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $2,206,544.
State or Territory: Indiana;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 262;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 9,337,064;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 26;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,172,406;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 3;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $303,788.
State or Territory: Iowa;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 233;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 10,310,670;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 4;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 852,684;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 9;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $1,110,514.
State or Territory: Kansas;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 86;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 7,472,586;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 9;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 3,030,265;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 3;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $537,385.
State or Territory: Kentucky;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 559;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 33,985,283;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 90;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 13,413,166;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 27;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $1,951,404.
State or Territory: Louisiana;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 11,211;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 519,823,924;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1,543;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 160,049,021;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 266;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $17,791,274.
State or Territory: Maine;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 60;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 3,389,180;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 5;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 607,713;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Maryland;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 285;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 15,190,465;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 11;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,147,524;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 8;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $363,953.
State or Territory: Massachusetts;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 1,433;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 62,583,805;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 97;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 14,326,550;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 40;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $3,408,243.
State or Territory: Michigan;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 79;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 4,171,667;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 3;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 346,050;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 2;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $112,444.
State or Territory: Minnesota;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 148;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 5,682,443;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 5;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 854,774;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 2;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $94,625.
State or Territory: Mississippi;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 1,248;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 64,364,366;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 160;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 17,479,826;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 77;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $5,561,038.
State or Territory: Missouri;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 935;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 67,498,430;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 166;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 29,470,155;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 91;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $6,025,294.
State or Territory: Montana;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 7;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 179,171;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Nebraska;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 52;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 1,477,567;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 87,986;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 7;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $355,886.
State or Territory: Nevada;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 11;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 838,471;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 112,460;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: New Hampshire;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 38;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 1,580,076;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 133,837;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $21,387.
State or Territory: New Jersey;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 3,584;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 166,181,042;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 375;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 54,663,072;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 67;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $3,665,284.
State or Territory: New Mexico;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 6;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 147,581;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: New York;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 2,741;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 98,779,008;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 141;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 19,508,163;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 61;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $5,541,717.
State or Territory: North Carolina;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 4,132;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 182,941,805;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 198;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 24,459,561;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 80;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $12,572,011.
State or Territory: North Dakota;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 25;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 959,524;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 80,867;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Ohio;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 428;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 19,956,150;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 28;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 5,421,096;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 14;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $706,233.
State or Territory: Oklahoma;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 238;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 14,035,032;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 38;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 5,740,230;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 12;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $948,477.
State or Territory: Oregon;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 148;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 8,885,004;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 7;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,448,373;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 13;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $659,110.
State or Territory: Pennsylvania;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 1,111;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 71,048,345;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 85;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 14,820,666;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 34;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $3,390,302.
State or Territory: Puerto Rico;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 340;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 15,165,298;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 22;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 4,009,676;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 9;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $364,354.
State or Territory: Rhode Island;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 76;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 5,067,871;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 9;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 3,026,107;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $40,949.
State or Territory: South Carolina;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 608;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 32,024,539;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 24;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,862,488;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 23;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $2,165,272.
State or Territory: South Dakota;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 23;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 974,108;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 261,320;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $35,974.
State or Territory: Tennessee;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 328;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 16,149,183;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 26;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 4,771,974;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 7;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $250,766.
State or Territory: Texas;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 6,118;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 529,656,763;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 790;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 143,758,753;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 309;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $49,428,892.
State or Territory: Utah;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 2;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 141,441;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Vermont;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 21;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 826,362;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 339,126;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Virgin Islands;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 72;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 7,640,852;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 8;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,464,950;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 3;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $1,118,466.
State or Territory: Virginia;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 1,001;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 50,679,980;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 37;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 12,213,811;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 35;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $3,387,211.
State or Territory: Washington;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 296;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 18,570,981;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 15;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 2,312,703;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 19;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $1,631,997.
State or Territory: West Virginia;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 769;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 34,191,301;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 33;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 4,709,416;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 43;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $2,752,297.
State or Territory: Wisconsin;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 208;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: 6,629,724;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 5;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: 271,132;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 1;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $62,000.
State or Territory: Wyoming;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 2;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: $33,971;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: $0;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 0;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $0.
State or Territory: Total;
Current repetitive loss inventory:
Number of insured repetitive loss properties: 49,199;
Current repetitive loss inventory:
Dollar amount of losses for insured properties: $2,594,891,765;
Severe repetitive loss properties as defined by H.R. 253:
Number of insured properties with 4 or more losses
at least $5000 each: 4,577;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses for insured properties with 4 or more losses
at least $5000 each: $638,785,796;
Severe repetitive loss properties as defined by H.R. 253:
Number of properties with total losses greater than
value of property: 1,586;
Severe repetitive loss properties as defined by H.R. 253:
Dollar amount of losses with total losses greater than value of
property: $153,705,454.
Source: FEMA:
Note: This table contains data from January 1,1978 to November 30, 2003. Repetitive loss properties are defined by FEMA as properties that have been flooded on more than one occasion during a 10-year period and have received flood insurance payments of $1,000 or more for each claim.
[End of table]
Table 4: Total Number of Currently Insured Repetitive Loss Properties That Have Incurred Cumulative Losses of $20,000 or More that Do Not Meet H.R. 253 Criteria for Number of Claims or Dollar Threshold for Each Claim:
State or Territory: Alabama;
Current repetitive loss inventory:
Number of insured properties: 1,113;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $54,763,624;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 1,031;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $45,879,373;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 577;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $41,002,431.
State or Territory: Alaska;
Current repetitive loss inventory:
Number of insured properties: 9;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $250,401;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 9;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $250,401;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 6;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $217,462.
State or Territory: Arizona;
Current repetitive loss inventory:
Number of insured properties: 34;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $979,728;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 29;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $803,969;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 17;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $673,947.
State or Territory: Arkansas;
Current repetitive loss inventory:
Number of insured properties: 98;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $5,214,244;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 86;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $2,505,889;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 48;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $2,077,821.
State or Territory: California;
Current repetitive loss inventory:
Number of insured properties: 1,315;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $70,297,658;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 1,142;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $52,308,828;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 784;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $48,289,264.
State or Territory: Colorado;
Current repetitive loss inventory:
Number of insured properties: 15;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $288,285;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 15;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $288,285;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 3;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $168,579.
State or Territory: Connecticut;
Current repetitive loss inventory:
Number of insured properties: 551;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $25,762,758;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 481;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $18,195,957;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 262;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $15,885,273.
State or Territory: Delaware;
Current repetitive loss inventory:
Number of insured properties: 166;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $9,093,706;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 151;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $5,336,134;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 92;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $4,764,542.
State or Territory: District of Columbia;
Current repetitive loss inventory:
Number of insured properties: 2;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $262,095;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 1;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $5,232;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 0;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $0.
State or Territory: Florida;
Current repetitive loss inventory:
Number of insured properties: 5,844;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $285,678,979;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 5,420;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $229,250,219;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 3,369;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $207,264,222.
State or Territory: Georgia;
Current repetitive loss inventory:
Number of insured properties: 449;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $24,230,607;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 405;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $19,133,006;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 250;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $17,529,405.
State or Territory: Guam;
Current repetitive loss inventory:
Number of insured properties: 9;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $326,419;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 9;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $326,419;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 6;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $273,023.
State or Territory: Hawaii;
Current repetitive loss inventory:
Number of insured properties: 63;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $5,698,632;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 52;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $4,336,175;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 35;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $4,149,489.
State or Territory: Idaho;
Current repetitive loss inventory:
Number of insured properties: 5;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $269,659;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 4;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $150,793;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 3;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $138,055.
State or Territory: Illinois;
Current repetitive loss inventory:
Number of insured properties: 602;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $23,203,936;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 511;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $14,645,247;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 267;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $12,149,830.
State or Territory: Indiana;
Current repetitive loss inventory:
Number of insured properties: 262;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $9,337,064;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 233;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $6,860,870;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 129;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $5,765,705.
State or Territory: Iowa;
Current repetitive loss inventory:
Number of insured properties: 233;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $10,310,670;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 220;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $8,347,472;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 109;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $7,230,051.
State or Territory: Kansas;
Current repetitive loss inventory:
Number of insured properties: 86;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $7,472,586;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 74;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $3,904,936;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 46;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $3,537,037.
State or Territory: Kentucky;
Current repetitive loss inventory:
Number of insured properties: 559;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $33,985,283;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 442;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $18,620,713;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 281;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $16,763,540.
State or Territory: Louisiana;
Current repetitive loss inventory:
Number of insured properties: 11,211;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $519,823,924;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 9,402;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $341,983,629;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 6,083;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $305,738,350.
State or Territory: Maine;
Current repetitive loss inventory:
Number of insured properties: 60;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $3,389,180;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 55;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $2,781,467;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 27;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $2,466,802.
State or Territory: Maryland;
Current repetitive loss inventory:
Number of insured properties: 285;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $15,190,465;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 266;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $12,678,989;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 164;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $11,477,404.
State or Territory: Massachusetts;
Current repetitive loss inventory:
Number of insured properties: 1,433;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $62,583,805;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 1,296;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $44,849,012;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 682;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $38,094,864.
State or Territory: Michigan;
Current repetitive loss inventory:
Number of insured properties: 79;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $4,171,667;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 74;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $3,713,172;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 25;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $3,261,848.
State or Territory: Minnesota;
Current repetitive loss inventory:
Number of insured properties: 148;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $5,682,443;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 141;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $4,733,044;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 70;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $4,031,174.
State or Territory: Mississippi;
Current repetitive loss inventory:
Number of insured properties: 1,248;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $64,364,366;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 1,011;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $41,323,502;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 654;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $37,515,205.
State or Territory: Missouri;
Current repetitive loss inventory:
Number of insured properties: 935;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $67,498,430;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 678;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $32,002,980;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 480;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $29,695,281.
State or Territory: Montana;
Current repetitive loss inventory:
Number of insured properties: 7;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $179,171;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 7;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $179,171;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 4;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $158,929.
State or Territory: Nebraska;
Current repetitive loss inventory:
Number of insured properties: 52;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $1,477,567;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 44;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $1,033,695;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 22;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $781,283.
State or Territory: Nevada;
Current repetitive loss inventory:
Number of insured properties: 11;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $838,471;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 10;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $726,011;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 7;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $672,932.
State or Territory: New Hampshire;
Current repetitive loss inventory:
Number of insured properties: 38;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $1,580,076;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 36;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $1,424,853;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 17;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $1,228,814.
State or Territory: New Jersey;
Current repetitive loss inventory:
Number of insured properties: 3,584;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $166,181,042;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 3,142;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $107,852,685;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 1,727;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $92,623,411.
State or Territory: New Mexico;
Current repetitive loss inventory:
Number of insured properties: 6;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $147,581;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 6;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $147,581;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 4;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $128,129.
State or Territory: New York;
Current repetitive loss inventory:
Number of insured properties: 2,741;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $98,779,008;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 2,539;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $73,729,128;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 1,208;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $59,794,017.
State or Territory: North Carolina;
Current repetitive loss inventory:
Number of insured properties: 4,132;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $182,941,805;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 3,854;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $145,910,234;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 2,185;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $127,723,081.
State or Territory: North Dakota;
Current repetitive loss inventory:
Number of insured properties: 25;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $959,524;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 24;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $878,657;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 11;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $706,938.
State or Territory: Ohio;
Current repetitive loss inventory:
Number of insured properties: 428;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $19,956,150;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 386;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $13,828,821;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 199;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $11,787,561.
State or Territory: Oklahoma;
Current repetitive loss inventory:
Number of insured properties: 238;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $14,035,032;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 188;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $7,346,325;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 127;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $6,682,135.
State or Territory: Oregon;
Current repetitive loss inventory:
Number of insured properties: 148;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $8,885,004;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 128;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $5,777,521;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 89;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $5,339,042.
State or Territory: Pennsylvania;
Current repetitive loss inventory:
Number of insured properties: 1,111;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $71,048,345;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 992;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $52,837,377;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 586;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $48,543,126.
State or Territory: Puerto Rico;
Current repetitive loss inventory:
Number of insured properties: 340;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $15,165,298;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 309;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $10,791,268;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 145;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $8,819,234.
State or Territory: Rhode Island;
Current repetitive loss inventory:
Number of insured properties: 76;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $5,067,871;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 66;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $2,000,816;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 33;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $1,605,087.
State or Territory: South Carolina;
Current repetitive loss inventory:
Number of insured properties: 608;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $32,024,539;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 561;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $26,996,780;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 344;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $24,708,390.
State or Territory: South Dakota;
Current repetitive loss inventory:
Number of insured properties: 23;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $974,108;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 21;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $676,814;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 11;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $541,731.
State or Territory: Tennessee;
Current repetitive loss inventory:
Number of insured properties: 328;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $16,149,183;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 295;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $11,126,444;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 152;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $9,398,369.
State or Territory: Texas;
Current repetitive loss inventory:
Number of insured properties: 6,118;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $529,656,763;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 5,019;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $336,469,118;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 3,797;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $322,573,631.
State or Territory: Utah;
Current repetitive loss inventory:
Number of insured properties: 2;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $141,441;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 2;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $141,441;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 1;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $125,828.
State or Territory: Vermont;
Current repetitive loss inventory:
Number of insured properties: 21;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $826,362;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 20;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $487,235;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 7;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $345,848.
State or Territory: Virgin Islands;
Current repetitive loss inventory:
Number of insured properties: 72;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $7,640,852;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 61;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $4,057,436;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 50;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $3,953,055.
State or Territory: Virginia;
Current repetitive loss inventory:
Number of insured properties: 1,001;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $50,679,980;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 929;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $35,078,959;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 513;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $30,519,416.
State or Territory: Washington;
Current repetitive loss inventory:
Number of insured properties: 296;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $18,570,981;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 262;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $14,626,281;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 161;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $13,539,129.
State or Territory: West Virginia;
Current repetitive loss inventory:
Number of insured properties: 769;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $34,191,301;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 693;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $26,729,587;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 364;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $23,249,323.
State or Territory: Wisconsin;
Current repetitive loss inventory:
Number of insured properties: 208;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $6,629,724;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 202;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $6,296,592;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 54;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $4,792,561.
State or Territory: Wyoming;
Current repetitive loss inventory:
Number of insured properties: 2;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $33,971;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 2;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $33,971;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 1;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $24,605.
State or Territory: Total;
Current repetitive loss inventory:
Number of insured properties: 49,199;
Current repetitive loss inventory:
Dollar amount losses for insured properties: $2,594,891,765;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties that do not meet criteria: 43,036;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties
that do not meet criteria: $1,802,400,514;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Number of properties with total losses greater than $20,000: 26,288;
Repetitive loss properties that do not meet the H.R.
253 severe repetitive loss criteria:
Dollar amount of losses associated with properties with
total losses greater than $20,000: $1,620,526,209.
Source: FEMA:
Note: This table contains data from January 1, 1978 to November 30,
2003. Repetitive loss properties are defined by FEMA as properties
that have been flooded on more than one occasion during a 10-year
period and have received flood insurance payments of $1,000 or more
for each claim.
[End of table]
[End of section]
Related GAO Products:
Flood Insurance: Challenges Facing the National Flood Insurance
Program. GAO-03-606T. Washington, D.C.: April 1, 2003.
Major Management Challenges and Program Risks: Federal Emergency
Management Agency. GAO-03-113. Washington, D.C.: January 2003.
Flood Insurance: Extent of Noncompliance with Purchase Requirements Is
Unknown. GAO-02-396. Washington, D.C.: June 21, 2002.
Flood Insurance: Information on the Financial Condition of the National
Flood Insurance Program. GAO-01-992T. Washington, D.C.: July 19, 2001.
Flood Insurance: Emerging Opportunity to Better Measure Certain Results
of the National Flood Insurance Program. GAO-01-736T. Washington, D.C.:
May 16, 2001.
FOOTNOTES
[1] Mitigation is defined by FEMA as sustained action that reduces or
eliminates long-term risk to people and property from hazards and their
effects.
[2] Nearly 20,000 communities across the United States currently
participate in the program, including Puerto Rico and the Virgin
Islands.
[3] These areas have a 1 percent or greater chance of experiencing
flooding in any given year.
[4] Owners of properties with no mortgages or properties with mortgages
held by unregulated lenders were not, and still are not, required to
purchase flood insurance, even if the properties are in special flood
hazard areas.
[5] This pilot applies to all FEMA mitigation grant programs including
the Hazard Mitigation Grant, the Flood Mitigation Assistance, the Pre-
Disaster Mitigation, and Supplemental Mitigation Grants.
[6] Actuarially based rates would reflect the average expected flood
losses over the long-run. Many flood insurance program policies are
subsidized and therefore lower than actuarially based rates because the
Congress authorized the program to make subsidized insurance rates
available to owners of structures built before a community's flood map
was prepared.
[7] Property owners could not be charged premium rates greater than the
actuarial rates for their area.
[8] U.S General Accounting Office, Flood Insurance: Challenges Facing
the National Flood Insurance Program, GAO-03-606T (Washington , D.C.:
Apr. 1, 2003).
