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Flood insurance cost · Fairfax County, VA

Flood insurance cost in Fairfax County, Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,458 home policies in force on August 31, 2026.

Fairfax County, VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$651a year

Half of insured homes paid between $470 and $1,014. That is 19% less than the Virginia median ($804). Most insured homes here are rated in zone X (81%).

$0$470 · $651 · $1,014$1,268
+3.5% vs Aug 31, 2025 (median $629)
3,458home policies in force
$799average cost (mean)
19%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.

Cost by flood zone in Fairfax County

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 AE
High risk		$1,240$900–$1,679$1,313545 (16%)+5.1%
Zone A
High risk		$1,043$763–$1,467$1,186101 (3%)−7.8%
Zone A99 / AR
High risk, levee areas		$1,404$1,218–$1,584$1,41919 (1%)+17.0%
Zone X
Moderate to low risk		$582$444–$830$6812,792 (81%)+2.1%

Not shown (fewer than 10 home policies): VE, AO, 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 Fairfax County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,332$660$806
2–4 unit building14$1,204$1,029
Condo or apartment unit112$524$560
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.		100$6,312$6,891
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		87$1,714$2,385

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

3,645NFIP policies in force, any building
5,145insured units (condo association policies count every unit)
94%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Fairfax County

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 force3,6973,458−6.5%
Median annual cost$629$651+3.5%
Average annual cost$752$799+6.2%
All policies in force (any building)3,8923,645−6.3%

How many homes have flood insurance?

1.1%of all homes in Fairfax County have an NFIP policy
21.7%of homes in high-risk zones (special flood hazard area) have one
337,120residential buildings counted by FEMA
3,414of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Fairfax County, Virginia have filed 1,488 flood claims. 884 received a payment, for a total of $16.5 million (an average of $18,650 per paid claim). The year with the most claims was 2011 (333 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 24 claims, 12 paid, $21,406 in total1979: 30 claims, 15 paid, $25,110 in total19801982: 12 claims1985: 19 claims, 15 paid, $205,619 in total1989: 15 claims19901996: 27 claims, 15 paid, $312,459 in total20002001: 16 claims, 12 paid, $116,004 in total2003: 178 claims, 117 paid, $4,636,260 in total20032004: 10 claims2005: 11 claims2006: 132 claims, 112 paid, $2,769,199 in total20062008: 70 claims, 35 paid, $447,919 in total2009: 15 claims2010: 18 claims20102011: 333 claims, 247 paid, $3,172,140 in total20112012: 25 claims2013: 44 claims, 23 paid, $96,175 in total2014: 65 claims, 38 paid, $178,958 in total2015: 39 claims, 20 paid, $60,091 in total2016: 20 claims2017: 20 claims, 10 paid, $30,728 in total2018: 76 claims, 41 paid, $206,054 in total2019: 100 claims, 68 paid, $3,013,964 in total2020: 38 claims, 16 paid, $425,904 in total20202021: 47 claims, 29 paid, $357,415 in total2022: 12 claims2024: 12 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202412<10––
202212<10––
20214729$357,415$12,325
20203816$425,904$26,619
201910068$3,013,964$44,323
20187641$206,054$5,026
20172010$30,728$3,073
201620<10––
20153920$60,091$3,005
20146538$178,958$4,709
20134423$96,175$4,182
201225<10––
2011333247$3,172,140$12,843
201018<10––
200915<10––
20087035$447,919$12,798
2006132112$2,769,199$24,725
200511<10––
200410<10––
2003178117$4,636,260$39,626
20011612$116,004$9,667
19962715$312,459$20,831
198915<10––
19851915$205,619$13,708
198212<10––
19793015$25,110$1,674
19782412$21,406$1,784

From 2016 to 2026: 325 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.

Main NFIP communities in the county

Unincorporated Fairfax County (3,315 home policies) · Vienna (85 home policies) · Herndon (56 home policies)