Menu

Flood insurance cost · Poquoson (city), VA

Flood insurance cost in Poquoson (city), Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,934 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,102a year

Half of insured homes paid between $792 and $1,678. That is 37% more than the Virginia median ($804). Most insured homes here are rated in zone AE (91%).

$0$792 · $1,102 · $1,678$2,098
+7.4% vs Aug 31, 2025 (median $1,026)
2,934home policies in force
$1,358average cost (mean)
92%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 Poquoson (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		$2,043$1,474–$2,613$1,98621 (1%)+20.9%
Zone AE
High risk		$1,116$794–$1,738$1,3862,680 (91%)+7.2%
Zone X
Moderate to low risk		$931$781–$1,204$984233 (8%)+0.5%

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 Poquoson (city), by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,894$1,108$1,365
Manufactured (mobile) home15$1,023$1,216
Condo or apartment unit20$485$470
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		42$2,130$2,904

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

2,979NFIP policies in force, any building
2,979insured units (condo association policies count every unit)
74%of home policies also cover contents
$86,000median contents coverage, when bought

One year on: Poquoson (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 force2,9862,934−1.7%
Median annual cost$1,026$1,102+7.4%
Average annual cost$1,258$1,358+7.9%
All policies in force (any building)3,0322,979−1.7%

How many homes have flood insurance?

62.9%of all homes in Poquoson (city) have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
4,664residential 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 Poquoson (city), Virginia have filed 4,290 flood claims. 3,840 received a payment, for a total of $72.9 million (an average of $18,981 per paid claim). The year with the most claims was 2003 (2,046 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 53 claims, 39 paid, $63,737 in total19801982: 26 claims, 18 paid, $20,432 in total19901998: 177 claims, 125 paid, $531,043 in total1999: 59 claims, 28 paid, $182,949 in total20002003: 2,046 claims, 1,946 paid, $50,929,723 in total20032004: 17 claims, 10 paid, $300,000 in total2006: 218 claims, 170 paid, $1,173,677 in total2008: 15 claims2009: 1,141 claims, 1,065 paid, $14,647,398 in total200920102011: 348 claims, 307 paid, $3,778,282 in total20112012: 43 claims, 35 paid, $441,852 in total2015: 43 claims, 36 paid, $393,166 in total20202022: 22 claims, 16 paid, $157,231 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20222216$157,231$9,827
20154336$393,166$10,921
20124335$441,852$12,624
2011348307$3,778,282$12,307
20091,1411,065$14,647,398$13,753
200815<10––
2006218170$1,173,677$6,904
20041710$300,000$30,000
20032,0461,946$50,929,723$26,171
19995928$182,949$6,534
1998177125$531,043$4,248
19822618$20,432$1,135
19785339$63,737$1,634

From 2016 to 2026: 22 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 Poquoson (city)

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

Main NFIP communities in the county

Poquoson (2,933 home policies)