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Flood insurance cost · Tazewell County, VA

Flood insurance cost in Tazewell County, Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 123 home policies in force on August 31, 2026.

Tazewell County, VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,284a year

Half of insured homes paid between $932 and $1,942. That is 60% more than the Virginia median ($804). Most insured homes here are rated in zone AE (73%).

$0$932 · $1,284 · $1,942$2,428
+11.8% vs Aug 31, 2025 (median $1,148)
123home policies in force
$1,517average cost (mean)
79%of insured homes in high-risk zones (A, V)
$85,000median 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 Tazewell 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		$1,472$1,067–$2,226$1,68890 (73%)+14.4%
Zone X
Moderate to low risk		$1,045$748–$1,255$1,02326 (21%)+13.1%

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 Tazewell County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home110$1,281$1,529
Manufactured (mobile) home11$1,307$1,311
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		47$3,713$5,399

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

172NFIP policies in force, any building
172insured units (condo association policies count every unit)
47%of home policies also cover contents
$40,000median contents coverage, when bought

One year on: Tazewell 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 force136123−9.6%
Median annual cost$1,148$1,284+11.8%
Average annual cost$1,326$1,517+14.4%
All policies in force (any building)195172−11.8%

How many homes have flood insurance?

0.7%of all homes in Tazewell County have an NFIP policy
31.6%of homes in high-risk zones (special flood hazard area) have one
19,881residential buildings counted by FEMA
370of 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 Tazewell County, Virginia have filed 484 flood claims. 401 received a payment, for a total of $7,656,051 (an average of $19,092 per paid claim). The year with the most claims was 1978 (73 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801978: 73 claims, 61 paid, $190,064 in total19781980: 26 claims, 20 paid, $154,530 in total19801984: 46 claims, 40 paid, $172,405 in total19901994: 10 claims1998: 12 claims, 10 paid, $51,954 in total20002001: 58 claims, 54 paid, $1,056,002 in total20012002: 13 claims, 10 paid, $147,517 in total2003: 66 claims, 59 paid, $891,033 in total20032004: 21 claims, 19 paid, $260,329 in total20102015: 15 claims, 10 paid, $513,728 in total2020: 24 claims, 23 paid, $1,044,111 in total20202024: 14 claims, 13 paid, $321,872 in total2025: 24 claims, 22 paid, $2,007,681 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
20252422$2,007,681$91,258
20241413$321,872$24,759
20202423$1,044,111$45,396
20151510$513,728$51,373
20042119$260,329$13,702
20036659$891,033$15,102
20021310$147,517$14,752
20015854$1,056,002$19,556
19981210$51,954$5,195
199410<10––
19844640$172,405$4,310
19802620$154,530$7,726
19787361$190,064$3,116

From 2016 to 2026: 62 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 Tazewell County (43 home policies) · Bluefield (32 home policies) · Richlands (28 home policies) · Cedar Bluff (10 home policies)