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Flood insurance cost · ZIP 23451 · VA

Flood insurance cost in ZIP 23451 (Virginia Beach, VA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,350 home policies in force on August 31, 2026.

ZIP code 23451 (Virginia Beach, VA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$870a year

Half of insured homes paid between $630 and $1,210. That is 17% more than the Virginia Beach (city) median ($745). Most insured homes here are rated in zone X (53%).

$0$630 · $870 · $1,210$1,512
+3.7% vs Aug 31, 2025 (median $839)
3,350home policies in force
$1,005average cost (mean)
47%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 ZIP code 23451

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		$630$448–$846$71916 (0%)+2.6%
Zone AE
High risk		$1,070$784–$1,512$1,2471,557 (46%)+7.9%
Zone X
Moderate to low risk		$738$555–$1,009$7961,777 (53%)+1.2%

Not shown (fewer than 10 home policies): 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 ZIP code 23451, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,843$932$1,061
2–4 unit building140$908$1,005
Condo or apartment unit367$550$577
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.		372$2,024$2,621
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		167$1,957$2,376

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

3,889NFIP policies in force, any building
7,315insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 23451

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 force3,4883,350−4.0%
Median annual cost$839$870+3.7%
Average annual cost$939$1,005+7.0%
All policies in force (any building)4,0493,889−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 23451 have filed 2,041 flood claims. 1,574 received a payment, for a total of $29.4 million (an average of $18,649 per paid claim). The year with the most claims was 2009 (456 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 31 claims, 20 paid, $36,205 in total19801982: 35 claims, 18 paid, $57,842 in total1985: 14 claims, 11 paid, $10,264 in total1988: 15 claims, 11 paid, $59,880 in total1989: 15 claims, 10 paid, $27,063 in total1990: 17 claims19901991: 20 claims, 12 paid, $21,919 in total1996: 18 claims1998: 280 claims, 190 paid, $1,490,900 in total19981999: 113 claims, 70 paid, $507,477 in total2000: 42 claims, 38 paid, $259,131 in total20002002: 20 claims, 13 paid, $42,025 in total2003: 263 claims, 203 paid, $4,375,957 in total20032006: 42 claims, 31 paid, $356,810 in total2009: 456 claims, 408 paid, $12,806,127 in total20092010: 12 claims20102011: 128 claims, 111 paid, $2,141,889 in total2012: 151 claims, 136 paid, $2,910,585 in total2014: 12 claims2015: 35 claims, 29 paid, $271,140 in total2016: 140 claims, 108 paid, $2,277,238 in total2018: 15 claims, 13 paid, $189,858 in total2019: 20 claims, 19 paid, $250,057 in total20202022: 15 claims, 11 paid, $102,415 in total2025: 13 claims, 12 paid, $185,961 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251312$185,961$15,497
20221511$102,415$9,310
20192019$250,057$13,161
20181513$189,858$14,604
2016140108$2,277,238$21,086
20153529$271,140$9,350
201412<10––
2012151136$2,910,585$21,401
2011128111$2,141,889$19,296
201012<10––
2009456408$12,806,127$31,388
20064231$356,810$11,510
2003263203$4,375,957$21,556
20022013$42,025$3,233
20004238$259,131$6,819
199911370$507,477$7,250
1998280190$1,490,900$7,847
199618<10––
19912012$21,919$1,827
199017<10––
19891510$27,063$2,706
19881511$59,880$5,444
19851411$10,264$933
19823518$57,842$3,213
19783120$36,205$1,810

From 2016 to 2026: 203 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

Virginia Beach (3,350 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.