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Flood insurance cost · St. Croix Island, VI

Flood insurance cost in St. Croix Island, U.S. Virgin Islands

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 449 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$464a year

Half of insured homes paid between $387 and $579. That is about the same as the U.S. Virgin Islands median ($470). Most insured homes here are rated in zone A (59%).

$0$387 · $464 · $579$724
+1.3% vs Aug 31, 2025 (median $458)
449home policies in force
$489average cost (mean)
78%of insured homes in high-risk zones (A, V)
$227,000median 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 St. Croix Island

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		$575$411–$714$61021 (5%)−0.7%
Zone AE
High risk		$477$382–$640$51043 (10%)−5.5%
Zone A
High risk		$447$388–$530$470263 (59%)−0.7%
Zone AO
High risk, shallow		$393$368–$435$43425 (6%)+0.8%
Zone X
Moderate to low risk		$528$413–$611$52097 (22%)+2.7%

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 St. Croix Island, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home388$447$477
2–4 unit building31$585$568
Condo or apartment unit30$539$561
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.		87$1,068$1,145
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		88$742$944

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

624NFIP policies in force, any building
907insured units (condo association policies count every unit)
41%of home policies also cover contents
$34,000median contents coverage, when bought

One year on: St. Croix Island

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 force458449−2.0%
Median annual cost$458$464+1.3%
Average annual cost$487$489+0.4%
All policies in force (any building)631624−1.1%

Flood claims history

Since 1978, NFIP policyholders in St. Croix Island, U.S. Virgin Islands have filed 1,889 flood claims. 1,141 received a payment, for a total of $38.1 million (an average of $33,409 per paid claim). The year with the most claims was 1995 (332 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 14 claims1979: 243 claims, 186 paid, $375,764 in total197919801981: 29 claims, 25 paid, $53,598 in total1983: 13 claims1984: 23 claims, 13 paid, $35,591 in total1989: 194 claims, 105 paid, $2,756,723 in total19901995: 332 claims, 110 paid, $4,131,100 in total19951996: 35 claims, 24 paid, $597,827 in total1998: 65 claims, 48 paid, $868,990 in total1999: 207 claims, 122 paid, $2,561,590 in total199920002001: 83 claims, 10 paid, $75,210 in total2003: 51 claims, 43 paid, $1,340,976 in total2004: 39 claims, 19 paid, $502,901 in total2005: 10 claims2006: 24 claims, 14 paid, $1,612,307 in total2007: 10 claims2008: 152 claims, 118 paid, $5,471,113 in total2009: 14 claims, 10 paid, $499,242 in total2010: 144 claims, 121 paid, $2,808,435 in total20102011: 11 claims, 11 paid, $409,120 in total2017: 143 claims, 102 paid, $10,114,170 in total2020
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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2017143102$10,114,170$99,159
20111111$409,120$37,193
2010144121$2,808,435$23,210
20091410$499,242$49,924
2008152118$5,471,113$46,365
200710<10––
20062414$1,612,307$115,165
200510<10––
20043919$502,901$26,468
20035143$1,340,976$31,185
20018310$75,210$7,521
1999207122$2,561,590$20,997
19986548$868,990$18,104
19963524$597,827$24,909
1995332110$4,131,100$37,555
1989194105$2,756,723$26,255
19842313$35,591$2,738
198313<10––
19812925$53,598$2,144
1979243186$375,764$2,020
197814<10––

From 2016 to 2026: 143 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.

ZIP codes in St. Croix Island

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Virgin Islands, Territory of The (449 home policies)