Floods, big or small, can have devastating effects oncommunities, homes and families. In 2014, major flooding resultedin more than $351 million in claim payouts throughthe National Flood Insurance Program (NFIP). Theaverage 2014 NFIP claim was $29,033, according toInsurance Information Insitute (I.I.I.) datagathered from the U.S. Department of Homeland Security (DHS) andthe Federal Emergency Management Agency (FEMA).

Congress created the NFIP in 1968 in response to the rising costof taxpayer-funded disaster relief for flood victims and theincreasing amount of damage caused by floods. The NFIP makesfederally backed flood insurance available in communities thatagree to adopt and enforce floodplain management ordinances toreduce future flood damage.

Related: 5 things you should know about floodinsurance

The NFIP provides coverage for up to $250,000 for the structureof the home and up to $100,000 for personal possessions. NFIPearned premiums rose slightly to $3.56 billion in 2014 from $3.51billion in 2013.

Using data from DHS and FEMA, I.I.I. found the following 10U.S. states had the highest total amount of NFIP claim payoutsfrom Oct. 1, 2013, through Sept. 30, 2014. Can you guess whichstate ranks No. 1?

A partially submerged car sits on a flooded section ofInterstate 695 in Baltimore, Tuesday, Aug. 12, 2014, after heavyrains fell across the Mid-Atlantic region. Officials shut down theBaltimore beltway in both directions at Quarantine Road due toheavy flooding. (AP Photo/Patrick Semansky)

10. Maryland

$6.93 million = Total amount of claimpayments

434 = Total number of claims

Related: Lower flood insurance premiums for some Marylandresidents

Cars are stranded along a flooded stretch of Interstate 75in Hazel Park, Mich., Tuesday, Aug. 12, 2014. (AP Photo/CarlosOsorio)

9. Michigan

$6.98 million = Total amount of claimpayments

635 = Total number of claims

A home sits surrounded by floodwaters from Walnut Creek,Thursday, June 25, 2015, in Des Moines, Iowa. (APPhoto/Charlie Neibergall)

8. Iowa

$7.48 million = Total amount of claimpayments

552 = Total number of claims

Jake Sojka, left, and his father Gregory Sojka, standalongside their flooded home on Main Street in Bowmansville, N.Y.,after Ellicott Creek crested its banks Tuesday, Nov. 25, 2014. (AP Photo/Gary Wiepert)

7. New York

$13.06 million = Total claimpayments

1,401 = Total number of claims

Related: Some of New York's poorest residents can't getflood insurance, and there's little anyone can do aboutit

In this May 1, 2014, file photo, Marine unit police officerRobert Jonah walks through flood waters from the Schuylkill Riveron Main Street, Thursday, May 1, 2014, in the Manayunk neighborhoodof Philadelphia. (AP Photo/Matt Rourke)

6. Pennsylvania

$14.36 million = Total amount of claimpayments

785 = Total number of claims

This photo released by the Bossier City Sheriff's Officeshows a sandbagged home during flooding from the Red River in theRiver Bluff subdivision of Bossier City, La., Monday, June 8,2015. (Bill Davis/Bossier City Sheriff's Office viaAP)

5. Louisiana

$14.73 million = Total claimpayments

728 = Total number of claims

A Canada goose floats past a handicapped parking sign in aparking lot covered by the rising Ohio River, Monday, Feb. 24,2014, in Cincinnati. (AP Photo/Al Behrman)

4. Ohio

$14.74 million = Total amount of claimpayments

736 = Total number of claims

Firefighters rescue a family from their home, surrounded byfloodwaters, in a mobile home park in Pelham, Ala., on Monday,April 7, 2014. (AP Photo/Jay Reeves)

3. Alabama

$51.81 million = Total amount of claimpayments

1,365 = Total number of claims

El Paso water utilities workers walk toward a pump that isemptying a storm water drainage pond in El Paso, Texas, Thursday,Sept. 18, 2014. Heavy rains caused street flooding and otherincidents in Far West Texas and Southeastern New Mexico. (APPhoto/Juan Carlos Llorca)

2. Texas

$58.52 million = Total amount of claimpayments

1,975 = Total number of claims

Related: 7 'mythbusters' from FEMA for Texas floodvictims

Residents walk near a truck stuck in deep water and mud onPiedmont Street after flood-water damage caused by torrential rainsin Pensacola, Fla., Wednesday, April 30, 2014. (AP Photo/G.M.Andrews)

1. Florida

$115.84 million = Total amount ofclaim payments

3,823 = Total number of claims

Related: National Flood Insurance Program sets up callcenter to help policyholders