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Flood insurance cost · VA

Flood insurance cost in Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 69,741 home policies in force on August 31, 2026.

VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$804a year

Half of insured homes paid between $578 and $1,188. That is 26% less than the national median ($1,082). Most insured homes here are rated in zone AE (52%).

$0$578 · $804 · $1,188$1,485
+4.1% vs Aug 31, 2025 (median $772)
69,741home policies in force
$977average cost (mean)
56%of insured homes in high-risk zones (A, V)
$250,000median 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.

Disaster declarations: see FEMA declarations and IRS tax relief in Virginia, county by county.

Cost by flood zone in Virginia

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		$1,147$828–$1,522$1,281672 (1%)+5.1%
Zone AE
High risk		$966$704–$1,392$1,16336,471 (52%)+5.7%
Zone A
High risk		$966$628–$1,598$1,3111,522 (2%)−0.4%
Zone AO
High risk, shallow		$1,282$1,007–$1,639$1,345120 (0%)+3.7%
Zone A99 / AR
High risk, levee areas		$1,404$1,218–$1,584$1,41919 (0%)+17.0%
Zone X
Moderate to low risk		$642$486–$896$73430,934 (44%)+1.7%

Not shown (fewer than 10 home policies): AH, 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 Virginia, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home66,172$810$985
2–4 unit building1,254$1,000$1,131
Manufactured (mobile) home363$1,223$1,339
Condo or apartment unit1,952$505$566
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.		2,393$2,074$3,075
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		3,535$2,232$3,216
75,669NFIP policies in force, any building
88,510insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Virginia

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 force72,97169,741−4.4%
Median annual cost$772$804+4.1%
Average annual cost$916$977+6.7%
All policies in force (any building)79,19275,669−4.4%

Flood claims history

Since 1978, NFIP policyholders in Virginia have filed 50,609 flood claims. 39,801 received a payment, for a total of $771.8 million (an average of $19,391 per paid claim). The year with the most claims was 2003 (11,938 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 972 claims, 723 paid, $3,516,902 in total1979: 546 claims, 389 paid, $2,169,761 in total1980: 154 claims, 86 paid, $529,001 in total19801981: 106 claims, 68 paid, $316,792 in total1982: 475 claims, 323 paid, $1,345,661 in total1983: 129 claims, 66 paid, $168,737 in total1984: 465 claims, 327 paid, $1,943,275 in total1985: 1,817 claims, 1,539 paid, $39,051,534 in total1986: 61 claims, 32 paid, $131,049 in total1987: 621 claims, 458 paid, $4,431,594 in total1988: 160 claims, 103 paid, $795,589 in total1989: 410 claims, 273 paid, $1,939,832 in total1990: 181 claims, 111 paid, $603,402 in total19901991: 199 claims, 116 paid, $572,476 in total1992: 849 claims, 603 paid, $9,384,913 in total1993: 154 claims, 89 paid, $729,020 in total1994: 195 claims, 116 paid, $1,465,360 in total1995: 458 claims, 337 paid, $4,662,201 in total1996: 1,939 claims, 1,579 paid, $33,071,573 in total1997: 89 claims, 43 paid, $427,653 in total1998: 2,112 claims, 1,388 paid, $9,193,499 in total1999: 2,456 claims, 1,598 paid, $18,816,277 in total2000: 212 claims, 129 paid, $1,432,756 in total20002001: 182 claims, 133 paid, $2,283,741 in total2002: 319 claims, 220 paid, $3,142,564 in total2003: 11,938 claims, 10,174 paid, $236,201,150 in total20032004: 855 claims, 686 paid, $18,663,974 in total2005: 136 claims, 67 paid, $1,097,684 in total2006: 2,740 claims, 2,282 paid, $44,480,499 in total2007: 60 claims, 24 paid, $296,688 in total2008: 304 claims, 198 paid, $2,458,381 in total2009: 6,719 claims, 5,949 paid, $106,098,773 in total20092010: 430 claims, 245 paid, $2,555,427 in total20102011: 3,395 claims, 2,795 paid, $42,108,776 in total20112012: 1,484 claims, 1,197 paid, $24,629,525 in total2013: 355 claims, 230 paid, $3,578,526 in total2014: 479 claims, 305 paid, $6,873,427 in total2015: 524 claims, 358 paid, $5,108,816 in total2016: 2,806 claims, 2,343 paid, $77,620,594 in total2017: 162 claims, 82 paid, $1,592,594 in total2018: 848 claims, 615 paid, $17,471,309 in total2019: 413 claims, 281 paid, $8,593,568 in total2020: 605 claims, 429 paid, $9,617,978 in total20202021: 228 claims, 151 paid, $2,193,344 in total2022: 185 claims, 110 paid, $1,823,275 in total2023: 107 claims, 56 paid, $938,478 in total2024: 272 claims, 185 paid, $8,100,947 in total2025: 252 claims, 175 paid, $7,376,732 in total2026: 51 claims, 15 paid, $189,287 in total
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 (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20265115$189,287$12,619
2025252175$7,376,732$42,153
2024272185$8,100,947$43,789
202310756$938,478$16,759
2022185110$1,823,275$16,575
2021228151$2,193,344$14,525
2020605429$9,617,978$22,420
2019413281$8,593,568$30,582
2018848615$17,471,309$28,409
201716282$1,592,594$19,422
20162,8062,343$77,620,594$33,129
2015524358$5,108,816$14,270
2014479305$6,873,427$22,536
2013355230$3,578,526$15,559
20121,4841,197$24,629,525$20,576
20113,3952,795$42,108,776$15,066
2010430245$2,555,427$10,430
20096,7195,949$106,098,773$17,835
2008304198$2,458,381$12,416
20076024$296,688$12,362
20062,7402,282$44,480,499$19,492
200513667$1,097,684$16,383
2004855686$18,663,974$27,207
200311,93810,174$236,201,150$23,216
2002319220$3,142,564$14,284
2001182133$2,283,741$17,171
2000212129$1,432,756$11,107
19992,4561,598$18,816,277$11,775
19982,1121,388$9,193,499$6,624
19978943$427,653$9,945
19961,9391,579$33,071,573$20,945
1995458337$4,662,201$13,834
1994195116$1,465,360$12,632
199315489$729,020$8,191
1992849603$9,384,913$15,564
1991199116$572,476$4,935
1990181111$603,402$5,436
1989410273$1,939,832$7,106
1988160103$795,589$7,724
1987621458$4,431,594$9,676
19866132$131,049$4,095
19851,8171,539$39,051,534$25,375
1984465327$1,943,275$5,943
198312966$168,737$2,557
1982475323$1,345,661$4,166
198110668$316,792$4,659
198015486$529,001$6,151
1979546389$2,169,761$5,578
1978972723$3,516,902$4,864

From 2016 to 2026: 5,929 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 Virginia

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

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Amherst County37$1,265
Bath County20$1,434
Bedford County98$1,162
Bland County40$1,314
Bristol city15$575
Buena Vista city20$874
Campbell County26$724
Caroline County57$735
Carroll County27$1,188
Charles City County17$1,066
Charlottesville city72$991
Clarke County46$1,054
Colonial Heights city42$1,271
Covington city55$1,506
Craig County36$1,274
Culpeper County40$938
Danville city36$827
Dickenson County18$1,250
Dinwiddie County25$866
Emporia city16$1,190
Floyd County12$1,246
Fluvanna County36$646
Franklin County57$1,405
Franklin city18$736
Frederick County92$722
Fredericksburg city69$926
Giles County76$1,410
Goochland County48$724
Grayson County12$1,017
Greene County50$1,200
Halifax County13$1,204
Harrisonburg city42$926
Henry County41$1,079
Highland County15$1,457
Hopewell city22$976
King George County41$804
King William County65$1,401
King and Queen County41$1,430
Lee County33$1,162
Lynchburg city40$872
Madison County30$1,233
Manassas Park city11$766
Manassas city42$783
Mecklenburg County42$1,085
Nelson County47$1,271
New Kent County96$1,140
Norton city22$2,225
Orange County68$734
Patrick County12$1,250
Petersburg city86$839
Pittsylvania County20$979
Powhatan County38$616
Prince Edward County13$901
Prince George County66$648
Pulaski County53$1,568
Rappahannock County30$1,192
Richmond County59$1,556
Russell County39$1,311
Scott County51$1,270
Shenandoah County94$1,444
Staunton city68$848
Surry County33$1,042
Sussex County37$705
Washington County90$1,262
Waynesboro city85$1,778
Williamsburg city32$557
Winchester city67$813
Wythe County68$948

ZIP codes with the most insured homes