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Flood insurance cost · Virginia Beach (city), VA

Flood insurance cost in Virginia Beach (city), Virginia

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 14,129 home policies in force on August 31, 2026.

Virginia Beach (city), VirginiaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$745a year

Half of insured homes paid between $561 and $1,060. That is 7% less than the Virginia median ($804). Most insured homes here are rated in zone X (59%).

$0$561 · $745 · $1,060$1,325
+3.0% vs Aug 31, 2025 (median $723)
14,129home policies in force
$879average cost (mean)
41%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 Virginia Beach (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		$1,050$741–$1,407$1,153350 (2%)+3.6%
Zone AE
High risk		$970$713–$1,339$1,1295,011 (35%)+5.8%
Zone A
High risk		$561$506–$636$582375 (3%)+4.1%
Zone X
Moderate to low risk		$663$511–$872$7318,391 (59%)+1.8%

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

Type of buildingPoliciesMedianAverage
Single-family home13,108$756$894
2–4 unit building264$924$1,008
Manufactured (mobile) home13$1,083$1,283
Condo or apartment unit744$532$563
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.		625$1,856$2,491
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		394$1,842$2,264
15,148NFIP policies in force, any building
19,859insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Virginia Beach (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 force14,86014,129−4.9%
Median annual cost$723$745+3.0%
Average annual cost$828$879+6.2%
All policies in force (any building)15,93515,148−4.9%

How many homes have flood insurance?

12.1%of all homes in Virginia Beach (city) have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
122,183residential 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 Virginia Beach (city), Virginia have filed 6,262 flood claims. 4,690 received a payment, for a total of $103.8 million (an average of $22,127 per paid claim). The year with the most claims was 2016 (1,495 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 61 claims, 37 paid, $60,556 in total1979: 10 claims1980: 16 claims19801981: 10 claims1982: 68 claims, 35 paid, $97,975 in total1983: 17 claims1984: 12 claims1985: 54 claims, 32 paid, $49,405 in total1986: 12 claims1987: 37 claims, 30 paid, $70,969 in total1988: 91 claims, 67 paid, $590,123 in total1989: 93 claims, 61 paid, $614,624 in total1990: 82 claims, 54 paid, $106,334 in total19901991: 96 claims, 57 paid, $284,306 in total1992: 75 claims, 45 paid, $418,859 in total1993: 27 claims, 15 paid, $208,651 in total1994: 56 claims, 36 paid, $948,371 in total1995: 23 claims, 12 paid, $324,200 in total1996: 57 claims, 30 paid, $176,393 in total1997: 19 claims, 10 paid, $214,076 in total1998: 613 claims, 396 paid, $3,012,824 in total1999: 331 claims, 194 paid, $1,272,973 in total2000: 60 claims, 48 paid, $317,668 in total20002001: 12 claims2002: 38 claims, 22 paid, $82,226 in total2003: 643 claims, 447 paid, $7,060,548 in total20032004: 27 claims, 16 paid, $181,794 in total2005: 11 claims2006: 224 claims, 178 paid, $2,643,311 in total2008: 31 claims, 24 paid, $176,997 in total2009: 866 claims, 730 paid, $18,460,807 in total20092010: 61 claims, 32 paid, $405,018 in total20102011: 328 claims, 274 paid, $5,174,471 in total2012: 216 claims, 173 paid, $3,543,194 in total2014: 31 claims, 20 paid, $140,907 in total2015: 51 claims, 33 paid, $297,070 in total2016: 1,495 claims, 1,343 paid, $53,393,229 in total20162017: 24 claims, 16 paid, $210,359 in total2018: 56 claims, 43 paid, $1,117,632 in total2019: 36 claims, 28 paid, $484,288 in total2020: 56 claims, 41 paid, $515,956 in total20202021: 10 claims2022: 21 claims, 12 paid, $106,586 in total2023: 30 claims, 15 paid, $224,843 in total2024: 23 claims, 12 paid, $144,550 in total2025: 34 claims, 23 paid, $377,260 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 (46)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253423$377,260$16,403
20242312$144,550$12,046
20233015$224,843$14,990
20222112$106,586$8,882
202110<10––
20205641$515,956$12,584
20193628$484,288$17,296
20185643$1,117,632$25,991
20172416$210,359$13,147
20161,4951,343$53,393,229$39,757
20155133$297,070$9,002
20143120$140,907$7,045
2012216173$3,543,194$20,481
2011328274$5,174,471$18,885
20106132$405,018$12,657
2009866730$18,460,807$25,289
20083124$176,997$7,375
2006224178$2,643,311$14,850
200511<10––
20042716$181,794$11,362
2003643447$7,060,548$15,795
20023822$82,226$3,738
200112<10––
20006048$317,668$6,618
1999331194$1,272,973$6,562
1998613396$3,012,824$7,608
19971910$214,076$21,408
19965730$176,393$5,880
19952312$324,200$27,017
19945636$948,371$26,344
19932715$208,651$13,910
19927545$418,859$9,308
19919657$284,306$4,988
19908254$106,334$1,969
19899361$614,624$10,076
19889167$590,123$8,808
19873730$70,969$2,366
198612<10––
19855432$49,405$1,544
198412<10––
198317<10––
19826835$97,975$2,799
198110<10––
198016<10––
197910<10––
19786137$60,556$1,637

From 2016 to 2026: 1,785 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 Virginia Beach (city)

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

Main NFIP communities in the county

Virginia Beach (14,128 home policies)