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Flood insurance cost · ZIP 00820 · VI

Flood insurance cost in ZIP 00820 (Virgin Islands, Territory of The, VI)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 343 home policies in force on August 31, 2026.

ZIP code 00820 (Virgin Islands, Territory of The, VI)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$461a year

Half of insured homes paid between $393 and $570. That is about the same as the St. Croix Island median ($464). Most insured homes here are rated in zone A (62%).

$0$393 · $461 · $570$712
+1.5% vs Aug 31, 2025 (median $454)
343home policies in force
$482average cost (mean)
80%of insured homes in high-risk zones (A, V)
$230,000median 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 ZIP code 00820

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		$456$382–$591$49531 (9%)−4.2%
Zone A
High risk		$452$399–$519$472214 (62%)±0.0%
Zone AO
High risk, shallow		$393$368–$434$43023 (7%)+2.1%
Zone X
Moderate to low risk		$528$405–$598$52068 (20%)+0.4%

Not shown (fewer than 10 home policies): VE, 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 ZIP code 00820, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home297$451$475
2–4 unit building21$504$513
Condo or apartment unit25$534$541
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.		43$1,283$1,213
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		57$705$915

Not shown (fewer than 10 policies): manufactured (mobile) home.

443NFIP policies in force, any building
550insured units (condo association policies count every unit)
40%of home policies also cover contents
$30,000median contents coverage, when bought

One year on: ZIP code 00820

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 force341343+0.6%
Median annual cost$454$461+1.5%
Average annual cost$475$482+1.5%
All policies in force (any building)437443+1.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 00820 have filed 1,274 flood claims. 752 received a payment, for a total of $23.9 million (an average of $31,773 per paid claim). The year with the most claims was 1995 (287 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 75 claims, 58 paid, $115,508 in total19801989: 129 claims, 83 paid, $2,572,002 in total198919901995: 287 claims, 87 paid, $3,763,044 in total19951996: 16 claims, 12 paid, $399,303 in total1998: 33 claims, 27 paid, $472,098 in total1999: 178 claims, 107 paid, $2,407,109 in total199920002001: 76 claims2003: 40 claims, 37 paid, $1,087,398 in total2004: 31 claims, 15 paid, $193,631 in total2008: 120 claims, 104 paid, $4,455,173 in total2010: 107 claims, 97 paid, $1,773,126 in total20102017: 91 claims, 57 paid, $4,419,555 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20179157$4,419,555$77,536
201010797$1,773,126$18,280
2008120104$4,455,173$42,838
20043115$193,631$12,909
20034037$1,087,398$29,389
200176<10––
1999178107$2,407,109$22,496
19983327$472,098$17,485
19961612$399,303$33,275
199528787$3,763,044$43,253
198912983$2,572,002$30,988
19797558$115,508$1,992

From 2016 to 2026: 91 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.

NFIP communities in this ZIP code

Virgin Islands, Territory of The (343 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.