Flood insurance claims in Accomack County, Virginia

FEMA records 1,114 National Flood Insurance Program claims in Accomack County, Virginia, since 1978, with $12.6 million paid in total. The year with the most claims was 2012, with 271. As of 3 August 2026, 13.4% of homes here had an NFIP policy, and 42.0% of homes in the high-risk flood zone did.

NFIP claims on record1,114

Total paid$12.6 million

Claims with a payment846

Homes with NFIP policy13.4%

High-risk zone homes insured42.0%

Residential policies in force2,660

Claims by year of loss

NFIP claims by year of loss, Accomack County, Virginia

Paid on claims by year of loss (building, contents and increased cost of compliance), Accomack County, Virginia

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Sandy	261
Hurricane Floyd	232
November 2009 Nor'easter	65
Hurricane Isabel	50
Tropical Storm Ernesto	50
Hurricane Gloria	47
Flooding	41
Hurricane Irene	40

ZIP codes with the most claims

ZIP code (as reported)	Claims
23336	298
23417	279
23440	108
23421	72
23427	42
23426	33
23301	32
23480	31
23358	30
23308	27

1,051 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $10.7 million, contents $1.2 million, increased cost of compliance $631,296.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	5,418	2,278	42.0%
All homes	19,852	2,660	13.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.