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Flood insurance cost · Roanoke County, VA

Flood insurance cost in Roanoke County, Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 252 home policies in force on August 31, 2026.

Roanoke County, VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,151a year

Half of insured homes paid between $684 and $2,076. That is 43% more than the Virginia median ($804). Most insured homes here are rated in zone AE (67%).

$0$684 · $1,151 · $2,076$2,595
+10.7% vs Aug 31, 2025 (median $1,040)
252home policies in force
$1,481average cost (mean)
67%of insured homes in high-risk zones (A, V)
$221,000median 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 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		$1,503$953–$2,532$1,850169 (67%)+7.4%
Zone X
Moderate to low risk		$601$432–$901$73083 (33%)−3.2%

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 County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home243$1,153$1,473
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.		13$3,315$4,205
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		31$3,910$4,926

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

296NFIP policies in force, any building
310insured units (condo association policies count every unit)
63%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Roanoke 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 force268252−6.0%
Median annual cost$1,040$1,151+10.7%
Average annual cost$1,371$1,481+8.0%
All policies in force (any building)312296−5.1%

How many homes have flood insurance?

0.7%of all homes in Roanoke County have an NFIP policy
32.8%of homes in high-risk zones (special flood hazard area) have one
35,855residential buildings counted by FEMA
543of 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 County, Virginia have filed 585 flood claims. 465 received a payment, for a total of $6,657,700 (an average of $14,318 per paid claim). The year with the most claims was 1985 (87 claims). Amounts are in dollars of the time, not adjusted for inflation.

02550751001978: 34 claims, 24 paid, $190,725 in total1979: 19 claims, 17 paid, $36,841 in total19801984: 14 claims, 12 paid, $40,398 in total1985: 87 claims, 80 paid, $1,962,486 in total19851987: 30 claims, 14 paid, $86,544 in total1989: 21 claims, 16 paid, $61,084 in total19901992: 60 claims, 55 paid, $976,361 in total19921993: 10 claims1996: 30 claims, 25 paid, $150,160 in total1998: 17 claims, 10 paid, $76,756 in total20002003: 24 claims, 19 paid, $174,854 in total2004: 66 claims, 56 paid, $608,623 in total200420102013: 32 claims, 28 paid, $395,176 in total2018: 57 claims, 48 paid, $1,328,037 in total2020: 22 claims, 20 paid, $302,082 in total2020
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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20202220$302,082$15,104
20185748$1,328,037$27,667
20133228$395,176$14,113
20046656$608,623$10,868
20032419$174,854$9,203
19981710$76,756$7,676
19963025$150,160$6,006
199310<10––
19926055$976,361$17,752
19892116$61,084$3,818
19873014$86,544$6,182
19858780$1,962,486$24,531
19841412$40,398$3,366
19791917$36,841$2,167
19783424$190,725$7,947

From 2016 to 2026: 79 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 Roanoke County (234 home policies) · Vinton (18 home policies)