A nationwide network, organized by region
We connect homeowners with independent providers across every U.S. region — not just a couple of test markets.
Where our network reaches
Our provider network spans the entire continental U.S. by design — from day one, coverage was built around five U.S. regions rather than a handful of city test markets. Provider availability within any specific ZIP code still depends on participation, so give us a call to check your specific area.
Northeast
Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut, New York, New Jersey, Pennsylvania
Aging infrastructure, nor'easters, and spring snowmelt drive a steady mix of pipe-related and storm-related water damage calls across this region.
Southeast
Virginia, West Virginia, North Carolina, South Carolina, Georgia, Florida, Alabama, Mississippi, Tennessee, Kentucky, Louisiana, Arkansas
Hurricane season, tropical storms, and high humidity make this one of the most flood- and mold-active regions in the network.
Midwest
Ohio, Michigan, Indiana, Illinois, Wisconsin, Minnesota, Iowa, Missouri, North Dakota, South Dakota, Nebraska, Kansas
River flooding, spring snowmelt, and severe thunderstorm systems are the region's recurring drivers of water damage calls.
South Central
Texas, Oklahoma
Flash flooding and large storm systems make this region among the highest for both flood frequency and flood-related loss nationally.
West
California, Oregon, Washington, Nevada, Arizona, Utah, Colorado, New Mexico, Idaho, Montana, Wyoming, Alaska, Hawaii
Atmospheric river events, burn-scar flooding, and rapid snowmelt create distinct flood patterns across this region's varied terrain.
Why flood response matters — the real numbers
Flooding isn't a rare event in the U.S. — it's the most consistently damaging natural hazard the country faces, year after year. Here's what the federal data actually shows.
Highest expected annual flood loss by state
| State | Expected annual inland-flood loss |
|---|---|
| Texas | ~$4.9B/yr expected inland-flood loss |
| Illinois | ~$2.9B/yr |
| New York | ~$2.8B/yr |
| Pennsylvania | ~$2.7B/yr |
| North Carolina | ~$2.1B/yr |
| Arizona | ~$2.0B/yr |
| Missouri | ~$1.6B/yr |
Source: FEMA National Risk Index, via published 2026 state rankings analysis.
Flood frequency & fatalities
Iowa has recorded 561 FEMA-declared flood disasters since 1953 — among the highest of any state — with North Dakota and Minnesota also seeing high flood frequency tied to snowmelt and spring rains. Texas has recorded over 1,000 flood-related fatalities between 1959 and 2019, the highest of any state; Louisiana, Virginia, and South Dakota also rank high for flood-related losses and fatalities.
Source: FEMA declaration history and published state flood rankings (FEMA/NOAA-derived).
Active this year
2026 has already brought multiple federal Major Disaster and Emergency declarations for flooding, including Texas, Missouri, Nebraska, West Virginia, Mississippi/Louisiana (Tropical Storm Arthur), Michigan/Wisconsin (April snowmelt flooding), and Indiana (August storms, tornadoes, and flooding). Source: FEMA disaster declarations feed.
Sources: FEMA National Risk Index (hazard.fema.gov) · NOAA NCEI Billion-Dollar Weather and Climate Disasters (ncei.noaa.gov) · FEMA Disaster Declarations (fema.gov/disaster). Figures are re-verified against current FEMA/NOAA releases periodically since conditions update continuously.
Check availability in your area
Call now or send a quick request — we'll connect you with a provider serving your region.