Flood insurance cost · Gloucester County, VA

Flood insurance cost in Gloucester County, Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,314 home policies in force on August 31, 2026.

Gloucester County, VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,092a year

Half of insured homes paid between $740 and $1,466. That is 36% more than the Virginia median ($804). Most insured homes here are rated in zone AE (77%).

$0$740 · $1,092 · $1,466$1,832

+10.1% vs Aug 31, 2025 (median $992)

1,314home policies in force

$1,185average cost (mean)

78%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 Gloucester 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,154	$773–$1,586	$1,259	1,013 (77%)	+10.0%
Zone X Moderate to low risk	$964	$605–$1,230	$925	293 (22%)	+6.8%

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

Type of building	Policies	Median	Average
Single-family home	1,282	$1,101	$1,192
Manufactured (mobile) home	18	$784	$968
Condo or apartment unit	12	$787	$734
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	39	$2,106	$2,341

Not shown (fewer than 10 policies): 2–4 unit building, whole residential building (5+ units or condo association).

1,356NFIP policies in force, any building

1,356insured units (condo association policies count every unit)

73%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Gloucester 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, 2025	Aug 31, 2026	Change
Home policies in force	1,376	1,314	−4.5%
Median annual cost	$992	$1,092	+10.1%
Average annual cost	$1,094	$1,185	+8.3%
All policies in force (any building)	1,419	1,356	−4.4%

How many homes have flood insurance?

8.0%of all homes in Gloucester County have an NFIP policy

61.4%of homes in high-risk zones (special flood hazard area) have one

16,495residential buildings counted by FEMA

1,665of 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 Gloucester County, Virginia have filed 1,378 flood claims. 1,153 received a payment, for a total of $30.9 million (an average of $26,829 per paid claim). The year with the most claims was 2003 (758 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2015	15	15	$168,297	$11,220
2012	15	<10	–	–
2011	84	70	$795,362	$11,362
2010	12	<10	–	–
2009	155	133	$1,924,748	$14,472
2008	18	17	$187,402	$11,024
2006	147	129	$1,368,497	$10,609
2003	758	683	$25,312,942	$37,061
1999	29	13	$75,258	$5,789
1998	38	24	$219,941	$9,164
1985	20	13	$62,861	$4,835
1978	11	10	$20,585	$2,058

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Gloucester County

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

Main NFIP communities in the county

Unincorporated Gloucester County (1,314 home policies)