Flood insurance claims in Fredericksburg city, Virginia

FEMA records 44 National Flood Insurance Program claims in Fredericksburg city, Virginia, since 1979, with $259,108 paid in total. The most claims in one year was 6, in 1979, 1995 and 1996. As of 3 August 2026, 1.1% of homes here had an NFIP policy.

NFIP claims on record44

Total paid$259,108

Claims with a payment28

Homes with NFIP policy1.1%

High-risk zone homes insuredn/a

Residential policies in force72

Claims by year of loss

NFIP claims by year of loss, Fredericksburg city, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Fran	5
Flooding	3
Mid-spring storms	2
Hurricane Floyd	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
22401	44

24 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $253,745, contents $5,363, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	30	n/a
All homes	6,511	72	1.1%

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

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.