Flood Claims Map

Virginia

Flood insurance claims in Albemarle County, Virginia

FEMA records 123 National Flood Insurance Program claims in Albemarle County, Virginia, since 1978, with $1.3 million paid in total. The year with the most claims was 1987, with 33. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 13.5% of homes in the high-risk flood zone did.

NFIP claims on record123
Total paid$1.3 million
Claims with a payment102
Homes with NFIP policy0.4%
High-risk zone homes insured13.5%
Residential policies in force170

Claims by year of loss

1978: 219781979: 41980: 01981: 01982: 319821983: 01984: 01985: 301986: 019861987: 331988: 01989: 11990: 119901991: 01992: 01993: 01994: 019941995: 41996: 71997: 01998: 319981999: 02000: 12001: 02002: 120022003: 22004: 22005: 22006: 120062007: 02008: 02009: 12010: 320102011: 02012: 02013: 32014: 120142015: 22016: 02017: 02018: 1020182019: 02020: 02021: 12022: 020222023: 02024: 42025: 133

NFIP claims by year of loss, Albemarle County, Virginia

1978: $1,80419781979: $27,4371980: $01981: $01982: $60,72519821983: $01984: $01985: $416,8351986: $019861987: $226,6171988: $01989: $8,6071990: $2,01919901991: $01992: $01993: $01994: $019941995: $77,6801996: $71,4011997: $01998: $33,73619981999: $02000: $02001: $02002: $37,51720022003: $17,3342004: $3,1432005: $64,3612006: $6,52520062007: $02008: $02009: $16,7632010: $020102011: $02012: $02013: $7,7592014: $1,85620142015: $02016: $02017: $02018: $183,23320182019: $02020: $02021: $02022: $020222023: $02024: $41,9702025: $2,792$416,835

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding50
Hurricane Fran5
Hurricane Isabel2
Hurricane Florence2
Tropical Storm Ivan1
Tropical Storm Bill1
Hurricane Ida1
Hurricane Debby1

ZIP codes with the most claims

ZIP code (as reported)Claims
2459049
2290119
2290315
229027
229326
245625
229372
229592
229362
229452

83 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $717,609, contents $592,505, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2072813.5%
All homes38,3751700.4%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.