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Flood insurance cost · ZIP 23662 · VA

Flood insurance cost in ZIP 23662 (Poquoson, VA)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,934 home policies in force on August 31, 2026.

ZIP code 23662 (Poquoson, VA)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,101a year

Half of insured homes paid between $792 and $1,678. That is about the same as the Poquoson (city) median ($1,102). Most insured homes here are rated in zone AE (91%).

$0$792 · $1,101 · $1,678$2,098
+7.4% vs Aug 31, 2025 (median $1,025)
2,934home policies in force
$1,358average cost (mean)
92%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 23662

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		$2,043$1,474–$2,613$1,98621 (1%)+20.9%
Zone AE
High risk		$1,114$794–$1,738$1,3862,680 (91%)+7.1%
Zone X
Moderate to low risk		$931$781–$1,204$984233 (8%)+0.5%

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 23662, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,894$1,108$1,365
Manufactured (mobile) home15$1,023$1,216
Condo or apartment unit20$485$470
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		42$2,130$2,904

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

2,979NFIP policies in force, any building
2,979insured units (condo association policies count every unit)
74%of home policies also cover contents
$86,000median contents coverage, when bought

One year on: ZIP code 23662

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 force2,9862,934−1.7%
Median annual cost$1,025$1,101+7.4%
Average annual cost$1,258$1,358+7.9%
All policies in force (any building)3,0322,979−1.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 23662 have filed 4,274 flood claims. 3,828 received a payment, for a total of $72.2 million (an average of $18,851 per paid claim). The year with the most claims was 2003 (2,039 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 53 claims, 39 paid, $63,737 in total19801982: 26 claims, 18 paid, $20,432 in total19901998: 176 claims, 125 paid, $531,043 in total1999: 57 claims, 27 paid, $179,153 in total20002003: 2,039 claims, 1,939 paid, $50,546,621 in total20032004: 15 claims, 10 paid, $300,000 in total2006: 218 claims, 170 paid, $1,169,032 in total2008: 15 claims2009: 1,138 claims, 1,062 paid, $14,500,622 in total200920102011: 347 claims, 306 paid, $3,589,860 in total20112012: 42 claims, 35 paid, $441,852 in total2015: 43 claims, 36 paid, $393,166 in total20202022: 22 claims, 16 paid, $157,231 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20222216$157,231$9,827
20154336$393,166$10,921
20124235$441,852$12,624
2011347306$3,589,860$11,732
20091,1381,062$14,500,622$13,654
200815<10––
2006218170$1,169,032$6,877
20041510$300,000$30,000
20032,0391,939$50,546,621$26,068
19995727$179,153$6,635
1998176125$531,043$4,248
19822618$20,432$1,135
19785339$63,737$1,634

From 2016 to 2026: 22 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

Poquoson (2,933 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.