Flood Claims Map

Virginia

Flood insurance claims in Chesterfield County, Virginia

FEMA records 268 National Flood Insurance Program claims in Chesterfield County, Virginia, since 1978, with $3.6 million paid in total. The year with the most claims was 2004, with 50. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 26.2% of homes in the high-risk flood zone did.

NFIP claims on record268
Total paid$3.6 million
Claims with a payment184
Homes with NFIP policy0.5%
High-risk zone homes insured26.2%
Residential policies in force702

Claims by year of loss

1978: 119781979: 181980: 31981: 01982: 319821983: 01984: 01985: 241986: 019861987: 71988: 11989: 21990: 219901991: 21992: 11993: 01994: 019941995: 01996: 151997: 31998: 119981999: 92000: 22001: 12002: 020022003: 332004: 502005: 12006: 720062007: 22008: 22009: 02010: 420102011: 32012: 02013: 22014: 220142015: 02016: 92017: 32018: 920182019: 22020: 252021: 42022: 120222023: 42024: 12025: 42026: 5202650

NFIP claims by year of loss, Chesterfield County, Virginia

1978: $58019781979: $121,6411980: $13,3461981: $01982: $11,72819821983: $01984: $01985: $202,5081986: $019861987: $20,6351988: $01989: $2131990: $1,49419901991: $8421992: $01993: $01994: $019941995: $01996: $102,6901997: $2,4421998: $019981999: $133,0392000: $9042001: $02002: $020022003: $427,7752004: $1.5 million2005: $02006: $40,25120062007: $9,3772008: $7912009: $02010: $020102011: $02012: $02013: $02014: $2,70620142015: $02016: $148,9132017: $02018: $235,72420182019: $02020: $438,4542021: $84,6502022: $020222023: $11,6882024: $29,5892025: $29,4602026: $16,5552026$1.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding23
Hurricane Isabel22
Hurricane Floyd9
Hurricane Fran7
Tropical Storm Ophelia3
Hurricane Matthew3
Hurricane Irene2
Hurricane Michael2

ZIP codes with the most claims

ZIP code (as reported)Claims
2311342
2383830
2323427
2323525
2383120
2322518
2383217
2323717
2311214
2383412

133 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.2 million, contents $284,425, increased cost of compliance $112,538.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone92224226.2%
All homes130,2797020.5%

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.