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Flood insurance cost · ZIP 23452 · VA

Flood insurance cost in ZIP 23452 (Virginia Beach, VA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,558 home policies in force on August 31, 2026.

ZIP code 23452 (Virginia Beach, VA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$628a year

Half of insured homes paid between $518 and $896. That is 16% less than the Virginia Beach (city) median ($745). The most common flood zone for insured homes here is zone AE (46%).

$0$518 · $628 · $896$1,120
+3.3% vs Aug 31, 2025 (median $608)
2,558home policies in force
$778average cost (mean)
59%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 23452

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		$763$591–$1,208$9481,181 (46%)+1.2%
Zone A
High risk		$553$502–$609$565330 (13%)+3.4%
Zone X
Moderate to low risk		$557$485–$714$6501,043 (41%)+2.6%

Not shown (fewer than 10 home policies): VE, 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 23452, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,536$628$779
2–4 unit building11$689$803
Condo or apartment unit11$462$554
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.		51$1,424$1,865
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		64$1,876$2,670

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

2,673NFIP policies in force, any building
2,722insured units (condo association policies count every unit)
83%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 23452

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 force2,6822,558−4.6%
Median annual cost$608$628+3.3%
Average annual cost$744$778+4.6%
All policies in force (any building)2,7972,673−4.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 23452 have filed 1,691 flood claims. 1,398 received a payment, for a total of $47.8 million (an average of $34,196 per paid claim). The year with the most claims was 2016 (965 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k19801989: 12 claims1990: 52 claims, 42 paid, $78,181 in total19901991: 20 claims, 13 paid, $70,827 in total1996: 12 claims1998: 45 claims, 15 paid, $48,254 in total1999: 51 claims, 29 paid, $103,340 in total20002003: 40 claims, 16 paid, $79,344 in total2006: 90 claims, 76 paid, $1,330,463 in total20062008: 10 claims2009: 158 claims, 138 paid, $2,932,302 in total200920102011: 74 claims, 62 paid, $1,179,427 in total2012: 23 claims, 17 paid, $259,479 in total2014: 11 claims, 10 paid, $66,305 in total2016: 965 claims, 910 paid, $41,291,411 in total20162020: 10 claims2020
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
202010<10––
2016965910$41,291,411$45,375
20141110$66,305$6,630
20122317$259,479$15,263
20117462$1,179,427$19,023
2009158138$2,932,302$21,249
200810<10––
20069076$1,330,463$17,506
20034016$79,344$4,959
19995129$103,340$3,563
19984515$48,254$3,217
199612<10––
19912013$70,827$5,448
19905242$78,181$1,861
198912<10––

From 2016 to 2026: 975 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 (2,558 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.