Programs › 97.022
Assistance listing · 97.022
Flood Insurance
Federal financial assistance obligated under listing 97.022, the organisations that receive it and where it goes.
USAspending caveat. Figures are obligations reported by federal agencies to USAspending.gov, not payments. In USAspending's words: "An outlay occurs when federal money is actually paid out, not just promised to be paid ('obligated')." "Every agency has a Senior Accountable Official who must officially certify that the quarterly financial data submitted by their agency is accurate and complete." "If there are any discrepancies in procurement data, FPDS is the authoritative source." Contract data for the Department of Defense and the U.S. Army Corps of Engineers is published with a 90-day delay. Data loaded 30 Sep 2026.
Federal agencies obligated $707M in awards under assistance listing 97.022, Flood Insurance, in FY2026, and $16B over the five fiscal years since FY2023; the program ranks 33 of 1043 on this site.
Obligations were down 92% on FY2025 ($8.7B), with $0 so far in FY2027.
The largest recipient organisations over FY2022–FY2025 were Wright National Flood Insurance Company ($4.6B), American Bankers Insurance Company of Florida ($1.7B) and Torrent Technologies, Inc. ($1.5B).
By place of performance, the most money went to FL, LA and NJ.
Obligations by fiscal year
Compared with the largest program FY2026
| Measure | This program | Grants to States for Medicaid | All assistance |
|---|---|---|---|
| Obligations, FY2026 | $707M | $723B | $4.4T |
| Five-year total | $16B | $2.6T | $17T |
| Share of all assistance obligations, five years | 0.1% | 15.2% | 100% |
Largest recipients obligations, FY2022–FY2025
| # | Organisation | Obligations |
|---|---|---|
| 1 | Wright National Flood Insurance Company | $4.6B |
| 2 | American Bankers Insurance Company of Florida | $1.7B |
| 3 | Torrent Technologies, Inc. | $1.5B |
| 4 | Hartford Insurance Company of the Midwest | $1.3B |
| 5 | Asi Underwriters Corp | $1.0B |
| 6 | Allstate Insurance Co. | $844M |
| 7 | Selective Insurance Company of America | $776M |
| 8 | United Services Automobile Association | $436M |
| 9 | National General Management Corp. | $396M |
| 10 | Bankers Financial Products Corporation | $193M |
| 11 | Occidental Fire and Casualty Company of North Carolina | $185M |
| 12 | Fire Insurance Exchange | $173M |
| 13 | Auto-Owners Insurance Co | $158M |
| 14 | Brown & Brown, Inc. | $154M |
| 15 | The Allstate Corporation | $151M |
| 16 | Philadelphia Indemnity Insurance Co. | $141M |
| 17 | Assurant, Inc | $123M |
| 18 | The Auto Club Group | $121M |
| 19 | Selective Insurance Group, Inc. | $115M |
| 20 | Southern Farm Bureau Casualty Insurance Co. | $112M |
| 21 | First Protective Insurance Company | $79M |
| 22 | First Protective Insurance Company | $79M |
| 23 | United Property & Casualty Insurance Company | $75M |
| 24 | Monarch National Insurance Company | $66M |
| 25 | Florida Family Insurance Company | $59M |
$1.1B among the top 40 went to recipients not shown: aggregated payments to individuals, withheld names and individuals.
Awarding agencies $1.0M+ awards
Where the money goes
Largest awards since FY2023
| Recipient | Awarding agency | Type | Award value | Begun | Place | Record |
|---|---|---|---|---|---|---|
| Wright National Flood Insurance Company | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $11M | 14 Nov 2022 | FL | USAspending |
| American Bankers Insurance Company of Florida | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $10M | 13 Mar 2023 | FL | USAspending |
| Hartford Insurance Company of the Midwest | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $9.0M | 12 Dec 2022 | FL | USAspending |
| Hartford Insurance Company of the Midwest | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $8.8M | 13 Mar 2023 | FL | USAspending |
| Hartford Insurance Company of the Midwest | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $7.8M | 12 Jan 2023 | FL | USAspending |
| Hartford Insurance Company of the Midwest | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $6.6M | 13 Mar 2023 | FL | USAspending |
| Hartford Insurance Company of the Midwest | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $6.3M | 12 Feb 2023 | FL | USAspending |
| Asi Underwriters Corp | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $6.0M | 12 Apr 2023 | FL | USAspending |
| American Bankers Insurance Company of Florida | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $5.9M | 12 Dec 2024 | FL | USAspending |
| American Bankers Insurance Company of Florida | Department of Homeland SecurityFederal Emergency Management Agency | Other assistanceInsurance (G) | $5.8M | 12 Sep 2023 | FL | USAspending |
Other programs numbered 97.xxx
- 97.036 Disaster Grants - Public Assistance (Presidentially Declared Disasters) $100B
- 97.048 Federal Disaster Assistance to Individuals and Households in Presidential Declared Disaster Areas $8.3B
- 97.039 Hazard Mitigation Grant $5.2B
- 97.067 Homeland Security Grant Program $3.1B
- 97.047 BRIC: Building Resilient Infrastructure and Communities $1.2B
- 97.042 Emergency Management Performance Grants $1.2B
- 97.008 Non-Profit Security Program $1.2B
- 97.083 Staffing for Adequate Fire and Emergency Response (SAFER) $1.1B
- 97.044 Assistance to Firefighters Grant $1.1B
- 97.141 Shelter and Services Program $1.0B
- 97.137 State and Local Cybersecurity Grant Program Tribal Cybersecurity Grant Program $949M
- 97.029 Flood Mitigation Assistance $729M
- 97.160 Fédération Internationale de Football Association World Cup Grant Program $625M
- 97.012 Boating Safety Financial Assistance $499M
- 97.046 Fire Management Assistance Grant $430M
- 97.025 National Urban Search and Rescue (US&R) Response System $330M
- 97.088 Disaster Assistance Projects $305M
- 97.005 State and Local Homeland Security National Training Program $263M
- 97.161 Counter-Unmanned Aircraft Systems (C-UAS) Grant Program $250M
- 97.056 Port Security Grant Program $248M
- 97.041 National Dam Safety Program $221M
- 97.075 Rail and Transit Security Grant Program $219M
- 97.052 Emergency Operations Center $195M
- 97.139 Safeguarding Tomorrow Revolving Loan Fund Program $165M
Questions and answers
How much is obligated under assistance listing 97.022?
$707M in FY2026 and $16B over the five fiscal years since FY2023, counting every award type recorded under the listing (grants, direct payments, loan subsidy cost, insurance and other assistance). Obligations are commitments, not payments.
Who receives the most under Flood Insurance?
Wright National Flood Insurance Company ($4.6B), American Bankers Insurance Company of Florida ($1.7B), Torrent Technologies, Inc. ($1.5B), Hartford Insurance Company of the Midwest ($1.3B), Asi Underwriters Corp ($1.0B). Individuals are never listed; where a program pays individuals, USAspending records aggregated rows that appear here as "not shown".
What is an assistance listing (CFDA) number?
A five-digit number that identifies a federal financial assistance program on SAM.gov (formerly the Catalog of Federal Domestic Assistance). Every grant, loan, direct payment or other assistance award on USAspending carries one; contracts do not.
Provenance
Source: USAspending.gov API v2, spending by category (assistance listing) by fiscal year, recipient cross-tabulation for FY2022–FY2025 and award search, loaded 30 Sep 2026. State figures come from each state's top-100 listing table, so small amounts in a state may be missing. See methodology.