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Flood insurance cost · Roanoke (city), VA

Flood insurance cost in Roanoke (city), Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 195 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,116a year

Half of insured homes paid between $760 and $1,408. That is 39% more than the Virginia median ($804). Most insured homes here are rated in zone AE (69%).

$0$760 · $1,116 · $1,408$1,760
+10.9% vs Aug 31, 2025 (median $1,006)
195home policies in force
$1,157average cost (mean)
70%of insured homes in high-risk zones (A, V)
$180,000median 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 Roanoke (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 AE
High risk		$1,161$900–$1,580$1,291135 (69%)+4.2%
Zone X
Moderate to low risk		$705$483–$1,172$83658 (30%)+14.4%

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 Roanoke (city), by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home179$1,114$1,136
2–4 unit building15$1,387$1,393
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.		31$4,995$5,656
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		110$4,238$5,030

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

336NFIP policies in force, any building
355insured units (condo association policies count every unit)
49%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Roanoke (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 force216195−9.7%
Median annual cost$1,006$1,116+10.9%
Average annual cost$1,073$1,157+7.8%
All policies in force (any building)360336−6.7%

How many homes have flood insurance?

0.7%of all homes in Roanoke (city) have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
33,522residential 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 Roanoke (city), Virginia have filed 1,184 flood claims. 924 received a payment, for a total of $20.2 million (an average of $21,828 per paid claim). The year with the most claims was 1985 (216 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 125 claims, 105 paid, $915,503 in total1979: 15 claims, 14 paid, $82,113 in total1980: 10 claims19801983: 17 claims, 13 paid, $39,442 in total1984: 15 claims1985: 216 claims, 193 paid, $7,611,586 in total19851987: 35 claims, 21 paid, $329,657 in total1989: 89 claims, 82 paid, $274,906 in total19901992: 150 claims, 109 paid, $1,704,384 in total19921994: 13 claims1995: 20 claims, 18 paid, $72,390 in total1996: 22 claims, 14 paid, $61,020 in total1998: 13 claims2000: 10 claims20002003: 64 claims, 40 paid, $1,408,417 in total2004: 136 claims, 109 paid, $3,687,840 in total200420102011: 12 claims2013: 81 claims, 63 paid, $1,181,393 in total2018: 42 claims, 30 paid, $639,229 in total2020: 12 claims2020
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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202012<10––
20184230$639,229$21,308
20138163$1,181,393$18,752
201112<10––
2004136109$3,687,840$33,833
20036440$1,408,417$35,210
200010<10––
199813<10––
19962214$61,020$4,359
19952018$72,390$4,022
199413<10––
1992150109$1,704,384$15,637
19898982$274,906$3,353
19873521$329,657$15,698
1985216193$7,611,586$39,438
198415<10––
19831713$39,442$3,034
198010<10––
19791514$82,113$5,865
1978125105$915,503$8,719

From 2016 to 2026: 54 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

Roanoke (193 home policies)