Flood Claims Map

Virginia

Flood insurance claims in James City County, Virginia

FEMA records 370 National Flood Insurance Program claims in James City County, Virginia, since 1979, with $6.4 million paid in total. The year with the most claims was 2003, with 150. As of 3 August 2026, 2.8% of homes here had an NFIP policy, and 75.1% of homes in the high-risk flood zone did.

NFIP claims on record370
Total paid$6.4 million
Claims with a payment311
Homes with NFIP policy2.8%
High-risk zone homes insured75.1%
Residential policies in force853

Claims by year of loss

1979: 219791980: 01981: 11982: 01983: 019831984: 01985: 31986: 01987: 019871988: 01989: 11990: 01991: 019911992: 01993: 01994: 11995: 019951996: 81997: 01998: 121999: 6519992000: 02001: 02002: 02003: 15020032004: 32005: 02006: 512007: 020072008: 42009: 242010: 32011: 1320112012: 42013: 32014: 22015: 220152016: 22017: 02018: 42019: 020192020: 52021: 22022: 22023: 120232024: 12025: 1150

NFIP claims by year of loss, James City County, Virginia

1979: $1,64519791980: $01981: $2,2811982: $01983: $019831984: $01985: $29,3251986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $01994: $01995: $019951996: $38,9021997: $01998: $61,5391999: $981,61119992000: $02001: $02002: $02003: $3.6 million20032004: $7,9942005: $02006: $956,2112007: $020072008: $44,6532009: $285,0462010: $46,7332011: $134,87320112012: $14,1612013: $51,7532014: $8792015: $8,51720152016: $4112017: $02018: $02019: $020192020: $29,8282021: $29,6342022: $30,8682023: $020232024: $02025: $7,124$3.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel148
Hurricane Floyd64
November 2009 Nor'easter24
Tropical Storm Ernesto20
Hurricane Irene11
Flooding10
Hurricane Fran8
October severe storms2

ZIP codes with the most claims

ZIP code (as reported)Claims
23185184
23089149
2318834
231682
231271

290 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.5 million, contents $704,260, increased cost of compliance $143,800.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone46234775.1%
All homes30,4248532.8%

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.