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Flood insurance cost · Hampton (city), VA

Flood insurance cost in Hampton (city), Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 7,900 home policies in force on August 31, 2026.

Hampton (city), VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$774a year

Half of insured homes paid between $590 and $1,079. That is 4% less than the Virginia median ($804). Most insured homes here are rated in zone AE (79%).

$0$590 · $774 · $1,079$1,349
+3.8% vs Aug 31, 2025 (median $746)
7,900home policies in force
$914average cost (mean)
80%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 Hampton (city)

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		$1,210$1,025–$1,578$1,37381 (1%)+9.2%
Zone AE
High risk		$827$637–$1,149$9746,228 (79%)+3.8%
Zone X
Moderate to low risk		$594$478–$760$6571,590 (20%)+2.4%

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

Type of buildingPoliciesMedianAverage
Single-family home7,699$774$916
2–4 unit building72$1,016$1,238
Condo or apartment unit126$595$633
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.		284$2,332$2,765
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		209$2,022$2,430

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

8,393NFIP policies in force, any building
9,028insured units (condo association policies count every unit)
75%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: Hampton (city)

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 force8,0997,900−2.5%
Median annual cost$746$774+3.8%
Average annual cost$867$914+5.4%
All policies in force (any building)8,6058,393−2.5%

How many homes have flood insurance?

17.8%of all homes in Hampton (city) have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
46,181residential buildings counted by FEMA
0of 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 Hampton (city), Virginia have filed 5,776 flood claims. 4,695 received a payment, for a total of $73.7 million (an average of $15,692 per paid claim). The year with the most claims was 2003 (2,309 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 55 claims, 39 paid, $69,236 in total19801982: 36 claims, 27 paid, $66,902 in total1985: 14 claims19901996: 20 claims1998: 225 claims, 151 paid, $942,446 in total1999: 407 claims, 284 paid, $3,216,072 in total19992000: 46 claims, 27 paid, $205,412 in total20002003: 2,309 claims, 1,958 paid, $33,339,569 in total20032004: 30 claims, 17 paid, $103,583 in total2005: 16 claims2006: 259 claims, 219 paid, $3,186,614 in total2008: 10 claims2009: 1,190 claims, 1,079 paid, $19,905,249 in total20092010: 45 claims, 24 paid, $133,573 in total20102011: 395 claims, 334 paid, $4,018,187 in total2012: 284 claims, 256 paid, $4,128,977 in total2014: 69 claims, 48 paid, $1,065,018 in total2015: 51 claims, 28 paid, $213,311 in total2016: 144 claims, 101 paid, $2,330,903 in total2018: 12 claims, 10 paid, $214,247 in total2020: 29 claims, 12 paid, $53,872 in total20202022: 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202210<10––
20202912$53,872$4,489
20181210$214,247$21,425
2016144101$2,330,903$23,078
20155128$213,311$7,618
20146948$1,065,018$22,188
2012284256$4,128,977$16,129
2011395334$4,018,187$12,030
20104524$133,573$5,566
20091,1901,079$19,905,249$18,448
200810<10––
2006259219$3,186,614$14,551
200516<10––
20043017$103,583$6,093
20032,3091,958$33,339,569$17,027
20004627$205,412$7,608
1999407284$3,216,072$11,324
1998225151$942,446$6,241
199620<10––
198514<10––
19823627$66,902$2,478
19785539$69,236$1,775

From 2016 to 2026: 195 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 Hampton (city)

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

Main NFIP communities in the county

Hampton (7,899 home policies)