Flood Claims Map

Virginia

Flood insurance claims in Franklin County, Virginia

FEMA records 45 National Flood Insurance Program claims in Franklin County, Virginia, since 1978, with $646,772 paid in total. The year with the most claims was 1992, with 6. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 32.0% of homes in the high-risk flood zone did.

NFIP claims on record45
Total paid$646,772
Claims with a payment31
Homes with NFIP policy0.3%
High-risk zone homes insured32.0%
Residential policies in force62

Claims by year of loss

1978: 119781979: 21980: 01981: 01982: 019821983: 01984: 01985: 41986: 019861987: 41988: 11989: 01990: 019901991: 01992: 61993: 01994: 019941995: 31996: 31997: 01998: 019981999: 22000: 02001: 02002: 020022003: 02004: 32005: 02006: 120062007: 02008: 02009: 12010: 120102011: 02012: 42013: 12014: 120142015: 02016: 02017: 02018: 120182019: 12020: 42021: 16

NFIP claims by year of loss, Franklin County, Virginia

1978: $4,39219781979: $26,2381980: $01981: $01982: $019821983: $01984: $01985: $287,1211986: $019861987: $61,1941988: $01989: $01990: $019901991: $01992: $119,0031993: $01994: $019941995: $3,2371996: $57,1221997: $01998: $019981999: $2,3262000: $02001: $02002: $020022003: $02004: $19,8832005: $02006: $9,54220062007: $02008: $02009: $1,9082010: $6,01020102011: $02012: $4,1202013: $9,9082014: $020142015: $02016: $02017: $02018: $24420182019: $11,0932020: $19,0042021: $4,429$287,121

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding4
Hurricane Fran2
Hurricane Eta2
November 2009 Nor'easter1
Tropical Storm Ivan1
Hurricane Michael1
Hurricane Sandy1
Hurricane Floyd1

ZIP codes with the most claims

ZIP code (as reported)Claims
2412112
240658
241765
241515
241024
241843
241012
240882
240552
240671

26 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $322,375, contents $324,397, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone973132.0%
All homes18,721620.3%

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.