Flood Claims Map

Virginia

Flood insurance claims in Charlotte County, Virginia

FEMA records 2 National Flood Insurance Program claims in Charlotte County, Virginia, since 1979, with $1,709 paid in total. There was 1 claim in each of 1979 and 2020. As of 3 August 2026, 0.0% of homes here had an NFIP policy, and 0.0% of homes in the high-risk flood zone did.

NFIP claims on record2
Total paid$1,709
Claims with a payment1
Homes with NFIP policy0.0%
High-risk zone homes insured0.0%
Residential policies in force1

Claims by year of loss

1979: 119791980: 01981: 01982: 01983: 019831984: 01985: 01986: 01987: 019871988: 01989: 01990: 01991: 019911992: 01993: 01994: 01995: 019951996: 01997: 01998: 01999: 019992000: 02001: 02002: 02003: 020032004: 02005: 02006: 02007: 020072008: 02009: 02010: 02011: 020112012: 02013: 02014: 02015: 020152016: 02017: 02018: 02019: 020192020: 11

NFIP claims by year of loss, Charlotte County, Virginia

1979: $1,70919791980: $01981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $01994: $01995: $019951996: $01997: $01998: $01999: $019992000: $02001: $02002: $02003: $020032004: $02005: $02006: $02007: $020072008: $02009: $02010: $02011: $020112012: $02013: $02014: $02015: $020152016: $02017: $02018: $02019: $020192020: $0$1,709

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Eta1

ZIP codes with the most claims

ZIP code (as reported)Claims
245281
239371

1 of the claims was on properties rated in a high-risk flood zone (zones starting A or V). Building $299, contents $1,410, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2200.0%
All homes4,97310.0%

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.