Flood Claims Map

Virginia

Flood insurance claims in Isle of Wight County, Virginia

FEMA records 183 National Flood Insurance Program claims in Isle of Wight County, Virginia, since 1982, with $5.3 million paid in total. The year with the most claims was 2006, with 47. As of 3 August 2026, 1.5% of homes here had an NFIP policy, and 13.6% of homes in the high-risk flood zone did.

NFIP claims on record183
Total paid$5.3 million
Claims with a payment134
Homes with NFIP policy1.5%
High-risk zone homes insured13.6%
Residential policies in force300

Claims by year of loss

1982: 519821983: 41984: 01985: 11986: 019861987: 01988: 11989: 01990: 019901991: 01992: 01993: 01994: 219941995: 01996: 01997: 01998: 719981999: 142000: 02001: 12002: 020022003: 332004: 32005: 02006: 4720062007: 02008: 02009: 192010: 120102011: 102012: 112013: 22014: 020142015: 12016: 102017: 02018: 320182019: 12020: 62021: 147

NFIP claims by year of loss, Isle of Wight County, Virginia

1982: $12,35819821983: $5,4201984: $01985: $7711986: $019861987: $01988: $3981989: $01990: $019901991: $01992: $01993: $01994: $4,83519941995: $01996: $01997: $01998: $32,26919981999: $534,7772000: $02001: $4,2722002: $020022003: $828,6262004: $28,1962005: $02006: $2.9 million20062007: $02008: $02009: $285,1752010: $6,10920102011: $59,3522012: $107,3182013: $02014: $020142015: $15,3722016: $289,1912017: $02018: $63,82920182019: $1,3592020: $145,0552021: $0$2.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel31
November 2009 Nor'easter18
Flooding13
Hurricane Floyd12
Hurricane Matthew9
Hurricane Irene9
Hurricane Sandy4
Tropical Storm Ernesto4

ZIP codes with the most claims

ZIP code (as reported)Claims
2343092
2331531
2331426
2389819
238518
238664
234242
233041

92 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.7 million, contents $1.5 million, increased cost of compliance $139,868.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3985413.6%
All homes19,4773001.5%

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.