Flood Claims Map

Virginia

Flood insurance claims in Gloucester County, Virginia

FEMA records 1,378 National Flood Insurance Program claims in Gloucester County, Virginia, since 1978, with $30.9 million paid in total. The year with the most claims was 2003, with 758. As of 3 August 2026, 8.0% of homes here had an NFIP policy, and 61.4% of homes in the high-risk flood zone did.

NFIP claims on record1,378
Total paid$30.9 million
Claims with a payment1,153
Homes with NFIP policy8.0%
High-risk zone homes insured61.4%
Residential policies in force1,317

Claims by year of loss

1978: 1119781979: 11980: 01981: 01982: 419821983: 11984: 01985: 201986: 019861987: 01988: 11989: 01990: 119901991: 61992: 21993: 11994: 219941995: 01996: 61997: 01998: 3819981999: 292000: 22001: 02002: 020022003: 7582004: 72005: 22006: 14720062007: 02008: 182009: 1552010: 1220102011: 842012: 152013: 32014: 120142015: 152016: 42017: 12018: 620182019: 72020: 12021: 22022: 420222023: 32024: 42025: 4758

NFIP claims by year of loss, Gloucester County, Virginia

1978: $20,58519781979: $01980: $01981: $01982: $10,84119821983: $01984: $01985: $62,8611986: $019861987: $01988: $5231989: $01990: $83319901991: $8,7481992: $2,9671993: $01994: $019941995: $01996: $01997: $01998: $219,94119981999: $75,2582000: $02001: $02002: $020022003: $25.3 million2004: $187,4252005: $02006: $1.4 million20062007: $02008: $187,4022009: $1.9 million2010: $10,08120102011: $795,3622012: $128,7422013: $28,9932014: $020142015: $168,2972016: $17,9752017: $02018: $73,01220182019: $16,2852020: $02021: $26,4272022: $91,65320222023: $48,2212024: $41,8712025: $103,879$25.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel742
November 2009 Nor'easter153
Tropical Storm Ernesto95
Hurricane Irene83
Flooding49
Hurricane Floyd26
Hurricane Sandy15
October severe storms12

ZIP codes with the most claims

ZIP code (as reported)Claims
23072867
23061324
2300146
2301840
2317823
2306216
2315511
231839
231316
231846

1,244 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $24.6 million, contents $3.5 million, increased cost of compliance $2.8 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,6651,02361.4%
All homes16,4951,3178.0%

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.