Flood Claims Map

Virginia

Flood insurance claims in Henrico County, Virginia

FEMA records 357 National Flood Insurance Program claims in Henrico County, Virginia, since 1978, with $4.2 million paid in total. The most claims in one year was 52, in 1985 and 2004. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 95.2% of homes in the high-risk flood zone did.

NFIP claims on record357
Total paid$4.2 million
Claims with a payment270
Homes with NFIP policy1.1%
High-risk zone homes insured95.2%
Residential policies in force782

Claims by year of loss

1978: 919781979: 211980: 51981: 01982: 319821983: 11984: 01985: 521986: 019861987: 201988: 01989: 11990: 319901991: 31992: 71993: 41994: 419941995: 11996: 241997: 11998: 1119981999: 12000: 22001: 12002: 120022003: 282004: 522005: 12006: 1720062007: 02008: 22009: 22010: 420102011: 52012: 02013: 12014: 120142015: 12016: 42017: 82018: 3020182019: 72020: 102021: 42022: 120222023: 12024: 22025: 02026: 1202652

NFIP claims by year of loss, Henrico County, Virginia

1978: $31,02219781979: $65,5401980: $34,9251981: $01982: $6,15819821983: $01984: $01985: $787,5491986: $019861987: $257,6951988: $01989: $7,7761990: $11,28519901991: $5,9581992: $36,4041993: $15,9651994: $18,75419941995: $01996: $394,6231997: $14,6531998: $31,78019981999: $8622000: $02001: $02002: $020022003: $316,1752004: $1.3 million2005: $02006: $141,44020062007: $02008: $11,9542009: $02010: $72,32520102011: $23,0162012: $02013: $02014: $020142015: $02016: $20,0322017: $90,5492018: $304,46720182019: $57,7812020: $119,1842021: $29,0422022: $3,60320222023: $23,4142024: $7,0542025: $02026: $02026$1.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding57
Hurricane Isabel18
Hurricane Fran13
Tropical Storm Ernesto8
Hurricane Florence5
Hurricane Eta4
Hurricane Irene4
November 2009 Nor'easter2

ZIP codes with the most claims

ZIP code (as reported)Claims
2322878
2322661
2322952
2323842
2323024
2322718
2306012
2323111
2323310
232239

192 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.6 million, contents $647,228, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone31029595.2%
All homes70,8237821.1%

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

  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.