Flood Claims Map

Virginia

Flood insurance claims in Hanover County, Virginia

FEMA records 39 National Flood Insurance Program claims in Hanover County, Virginia, since 1985, with $625,064 paid in total. The most claims in one year was 8, in 2004 and 2018. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 11.2% of homes in the high-risk flood zone did.

NFIP claims on record39
Total paid$625,064
Claims with a payment24
Homes with NFIP policy0.4%
High-risk zone homes insured11.2%
Residential policies in force176

Claims by year of loss

1985: 119851986: 01987: 01988: 01989: 019891990: 01991: 01992: 01993: 019931994: 01995: 11996: 01997: 019971998: 01999: 12000: 02001: 020012002: 02003: 72004: 82005: 020052006: 22007: 12008: 02009: 020092010: 22011: 22012: 12013: 120132014: 02015: 12016: 02017: 020172018: 82019: 12020: 02021: 120212022: 02023: 02024: 18

NFIP claims by year of loss, Hanover County, Virginia

1985: $16,20719851986: $01987: $01988: $01989: $019891990: $01991: $01992: $01993: $019931994: $01995: $01996: $01997: $019971998: $01999: $02000: $02001: $020012002: $02003: $135,9932004: $237,0872005: $020052006: $92,8132007: $02008: $02009: $020092010: $2,9812011: $1,2302012: $02013: $020132014: $02015: $02016: $02017: $020172018: $91,8092019: $31,8102020: $02021: $020212022: $02023: $02024: $15,134$237,087

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel7
Tropical Storm Bill1
Hurricane Irene1
Flooding1
Tropical Storm Ernesto1
Hurricane Floyd1

ZIP codes with the most claims

ZIP code (as reported)Claims
2311613
231119
230059
231462
230692
230592
230471
231921

16 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $542,020, contents $54,372, increased cost of compliance $28,671.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3754211.2%
All homes43,5331760.4%

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.