Drownings Reach a 5-Year High, and 1 in 5 Victims Are 19 or Younger

A drowning can occur in any body of water, including lakes, rivers, oceans, public pools or your swimming pool at home. While people of all ages drown yearly, many victims are children. Victims 19 and younger comprise 22% of drowning deaths, with almost 17% occurring in the 1-4 year age group.

MoneyGeek analyzed data from the Centers for Disease Control and Prevention’s Wide-ranging Online Data for Epidemiologic Research (CDC WONDER) to find which states have the highest drowning rates to help bring awareness to the importance of swimming safety there and across the country.

• Drowning deaths are the highest they’ve been in the last five years, with 4,337 drownings taking place in 2021. In the past five years, a total of 19,625 drownings have occurred in the U.S.

• 1 in 5 people who die by drowning are 19 or younger. Children between the ages of one and four make up 1 in 6 of all drowning victims nationally.

• Hawaii has the most drowning deaths when normalized for population, with 3.38 deaths per 100,000 residents annually.

• Florida has the highest total number of drowning deaths of any state, with 11,200 since 2019 and an average of 3,733 drownings per year.

MoneyGeek’s study analyzed accidental drowning deaths in all states from 2019 to 2021 using CDC WONDER data. For state ranking, we took the average annual drownings divided by 100,000 residents to control for population density.

Hawaii has the highest drowning rate normalized by population, with an average of 133 drownings per year and 3.38 deaths per 100,000 residents. Florida has the most drownings overall, averaging 3,733 deaths per year and 2.08 deaths per 100,000 residents.

The infographic below shows how each state compares, ranked by deaths per 100,000 residents and average annual drowning deaths.

Setting safety rules for everyone should also be part of a homeowner’s pool safety standards. Printing out these rules and displaying them, attending to children at all times near the pool, limiting running and never swimming alone are other pool safety guidelines to include.

While homeowners insurance covers swimming pools, there are likely requirements you’ll have to follow to ensure you’re adequately covered. Angel Conlin, Chief Insurance Officer at Kin Insurance, says that Kin requires that homeowners have, at minimum, a four-foot fence with a locking gate and keep the pool filled with water at all times.

Besides having coverage for the pool against damage, homeowners should consider the liability exposure a pool creates. If someone injures themselves or accidentally drowns, you could be sued. Working with your insurance agent can ensure you have enough coverage to protect yourself financially and minimize risks. If the liability coverage on your home insurance policy is not enough, consider purchasing a personal liability umbrella policy.

MoneyGeek analyzed CDC WONDER data from 2019 to 2021 to find accidental drowning statistics by state. We only analyzed incidents of unintentional drowning, excluding homicide or suicide from the analysis. To rank states, we averaged drownings per year and divided them by 100,000 residents to normalize for population density.

Additionally, MoneyGeek analyzed CDC WONDER data from 2017 to 2021 to better understand how drowning trends have changed in the United States as a whole.

The data points presented are defined as follows:

• Average Drowning Deaths per 100,000 Residents: Average number of annual drowning deaths from 2019-2021 divided by 100,000 residents.
• Total Drowning Deaths (19–21): Sum of all drowning deaths from 2019 to 2021
• Average Drownings Per Year: Average number of people who drowned per year from 2019 to 2021.