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Flood insurance cost · VI

Flood insurance cost in U.S. Virgin Islands

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 751 home policies in force on August 31, 2026.

U.S. Virgin IslandsPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$470a year

Half of insured homes paid between $374 and $575. That is 57% less than the national median ($1,082). Most insured homes here are rated in zone A (54%).

$0$374 · $470 · $575$719
+1.5% vs Aug 31, 2025 (median $463)
751home policies in force
$490average cost (mean)
75%of insured homes in high-risk zones (A, V)
$224,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in U.S. Virgin Islands

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$538$497–$616$57136 (5%)+0.4%
Zone AE
High risk		$529$382–$592$51988 (12%)+0.4%
Zone A
High risk		$460$374–$555$479402 (54%)+2.0%
Zone AO
High risk, shallow		$407$369–$591$46736 (5%)−0.7%
Zone X
Moderate to low risk		$500$355–$578$489189 (25%)+2.0%

Not shown (fewer than 10 home policies): AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in U.S. Virgin Islands, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home566$452$477
2–4 unit building97$540$553
Condo or apartment unit88$530$502
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		104$1,063$1,164
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		222$668$881

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,077NFIP policies in force, any building
1,535insured units (condo association policies count every unit)
44%of home policies also cover contents
$46,000median contents coverage, when bought

One year on: U.S. Virgin Islands

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force759751−1.1%
Median annual cost$463$470+1.5%
Average annual cost$484$490+1.2%
All policies in force (any building)1,0811,077−0.4%

Flood claims history

Since 1978, NFIP policyholders in U.S. Virgin Islands have filed 3,504 flood claims. 2,125 received a payment, for a total of $78.5 million (an average of $36,952 per paid claim). The year with the most claims was 1995 (640 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 17 claims, 10 paid, $11,046 in total1979: 302 claims, 228 paid, $679,907 in total1980: 13 claims, 10 paid, $24,875 in total19801981: 49 claims, 41 paid, $234,047 in total1982: 12 claims1983: 191 claims, 130 paid, $785,237 in total1984: 109 claims, 67 paid, $520,795 in total1985: 11 claims1986: 12 claims1987: 50 claims, 37 paid, $191,578 in total1989: 460 claims, 248 paid, $6,089,397 in total19891990: 10 claims19901992: 11 claims1995: 640 claims, 253 paid, $11,035,835 in total19951996: 93 claims, 56 paid, $2,188,058 in total1998: 108 claims, 84 paid, $3,599,493 in total1999: 303 claims, 175 paid, $8,071,408 in total20002001: 92 claims, 16 paid, $360,149 in total2003: 88 claims, 72 paid, $2,734,534 in total2004: 110 claims, 63 paid, $3,150,320 in total2005: 12 claims, 10 paid, $911,700 in total2006: 24 claims, 14 paid, $1,612,307 in total2007: 16 claims, 13 paid, $1,683,154 in total2008: 156 claims, 121 paid, $5,699,918 in total2009: 16 claims, 11 paid, $522,028 in total2010: 193 claims, 153 paid, $4,653,102 in total20102011: 15 claims, 14 paid, $523,259 in total2017: 322 claims, 226 paid, $20,874,916 in total201720202024: 10 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410<10––
2017322226$20,874,916$92,367
20111514$523,259$37,376
2010193153$4,653,102$30,412
20091611$522,028$47,457
2008156121$5,699,918$47,107
20071613$1,683,154$129,473
20062414$1,612,307$115,165
20051210$911,700$91,170
200411063$3,150,320$50,005
20038872$2,734,534$37,980
20019216$360,149$22,509
1999303175$8,071,408$46,122
199810884$3,599,493$42,851
19969356$2,188,058$39,072
1995640253$11,035,835$43,620
199211<10––
199010<10––
1989460248$6,089,397$24,554
19875037$191,578$5,178
198612<10––
198511<10––
198410967$520,795$7,773
1983191130$785,237$6,040
198212<10––
19814941$234,047$5,708
19801310$24,875$2,488
1979302228$679,907$2,982
19781710$11,046$1,105

From 2016 to 2026: 332 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in U.S. Virgin Islands

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
St. John Island19$535

ZIP codes with the most insured homes