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Flood insurance cost · ZIP 23456 · VA

Flood insurance cost in ZIP 23456 (Virginia Beach, VA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,225 home policies in force on August 31, 2026.

ZIP code 23456 (Virginia Beach, VA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$909a year

Half of insured homes paid between $694 and $1,298. That is 22% more than the Virginia Beach (city) median ($745). Most insured homes here are rated in zone X (66%).

$0$694 · $909 · $1,298$1,622
+4.5% vs Aug 31, 2025 (median $870)
2,225home policies in force
$1,126average cost (mean)
34%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 23456

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		$1,239$991–$1,556$1,378195 (9%)+5.4%
Zone AE
High risk		$1,348$1,002–$1,878$1,645554 (25%)+12.6%
Zone X
Moderate to low risk		$786$644–$1,043$8971,473 (66%)+2.6%

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 23456, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,133$933$1,149
Condo or apartment unit88$547$556
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		40$2,482$2,860

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

2,270NFIP policies in force, any building
2,615insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 23456

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 force2,3722,225−6.2%
Median annual cost$870$909+4.5%
Average annual cost$1,027$1,126+9.6%
All policies in force (any building)2,4142,270−6.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 23456 have filed 1,041 flood claims. 745 received a payment, for a total of $9,215,363 (an average of $12,370 per paid claim). The year with the most claims was 2003 (180 claims). Amounts are in dollars of the time, not adjusted for inflation.

05010015020019801985: 20 claims1987: 30 claims, 27 paid, $68,671 in total1988: 72 claims, 53 paid, $421,212 in total1989: 59 claims, 43 paid, $560,330 in total19901991: 45 claims, 30 paid, $188,701 in total1992: 56 claims, 39 paid, $393,221 in total1993: 21 claims, 13 paid, $200,653 in total1994: 45 claims, 35 paid, $947,953 in total1995: 15 claims1996: 10 claims1998: 159 claims, 126 paid, $1,140,439 in total19981999: 35 claims, 23 paid, $99,056 in total20002003: 180 claims, 143 paid, $1,977,235 in total20032006: 31 claims, 25 paid, $260,779 in total2009: 28 claims, 11 paid, $102,461 in total2010: 11 claims20102011: 11 claims2012: 19 claims2016: 76 claims, 60 paid, $1,087,054 in total20162018: 14 claims, 11 paid, $283,353 in total2020: 18 claims, 15 paid, $234,358 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201815$234,358$15,624
20181411$283,353$25,759
20167660$1,087,054$18,118
201219<10––
201111<10––
201011<10––
20092811$102,461$9,315
20063125$260,779$10,431
2003180143$1,977,235$13,827
19993523$99,056$4,307
1998159126$1,140,439$9,051
199610<10––
199515<10––
19944535$947,953$27,084
19932113$200,653$15,435
19925639$393,221$10,083
19914530$188,701$6,290
19895943$560,330$13,031
19887253$421,212$7,947
19873027$68,671$2,543
198520<10––

From 2016 to 2026: 108 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 (2,225 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.