Flood Claims Map

Virginia

Flood insurance claims in Frederick County, Virginia

FEMA records 57 National Flood Insurance Program claims in Frederick County, Virginia, since 1978, with $552,363 paid in total. The year with the most claims was 2018, with 7. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 2.8% of homes in the high-risk flood zone did.

NFIP claims on record57
Total paid$552,363
Claims with a payment44
Homes with NFIP policy0.3%
High-risk zone homes insured2.8%
Residential policies in force94

Claims by year of loss

1978: 519781979: 51980: 01981: 11982: 019821983: 01984: 01985: 01986: 019861987: 11988: 21989: 01990: 019901991: 01992: 21993: 01994: 019941995: 01996: 51997: 01998: 019981999: 12000: 02001: 22002: 020022003: 12004: 62005: 12006: 020062007: 02008: 02009: 02010: 020102011: 22012: 42013: 12014: 220142015: 02016: 12017: 12018: 720182019: 02020: 02021: 12022: 120222023: 02024: 32025: 27

NFIP claims by year of loss, Frederick County, Virginia

1978: $42,15119781979: $60,5801980: $01981: $9,2731982: $019821983: $01984: $01985: $01986: $019861987: $2,7751988: $2,1201989: $01990: $019901991: $01992: $01993: $01994: $019941995: $01996: $123,2461997: $01998: $019981999: $02000: $02001: $02002: $020022003: $02004: $76,1602005: $02006: $020062007: $02008: $02009: $02010: $020102011: $9032012: $28,3972013: $6,7012014: $14,95020142015: $02016: $2,9572017: $02018: $146,89720182019: $02020: $02021: $2,8292022: $020222023: $02024: $16,4822025: $15,941$146,897

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy4
Tropical Storm Ivan3
Flooding2
Hurricane Fran2
Hurricane Debby1

ZIP codes with the most claims

ZIP code (as reported)Claims
2260318
2260116
2260211
226374
226553
226042
226561
226241
226451

23 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $307,184, contents $245,179, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,052292.8%
All homes34,302940.3%

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.