Flood Claims Map

Virginia

Flood insurance claims in Lancaster County, Virginia

FEMA records 396 National Flood Insurance Program claims in Lancaster County, Virginia, since 1985, with $5.8 million paid in total. The year with the most claims was 2003, with 154. As of 3 August 2026, 6.1% of homes here had an NFIP policy, and 56.0% of homes in the high-risk flood zone did.

NFIP claims on record396
Total paid$5.8 million
Claims with a payment308
Homes with NFIP policy6.1%
High-risk zone homes insured56.0%
Residential policies in force446

Claims by year of loss

1985: 1219851986: 01987: 01988: 01989: 019891990: 01991: 01992: 01993: 019931994: 11995: 01996: 51997: 019971998: 101999: 52000: 02001: 020012002: 02003: 1542004: 12005: 020052006: 1372007: 02008: 02009: 2220092010: 72011: 182012: 52013: 220132014: 02015: 32016: 22017: 020172018: 62019: 02020: 42021: 020212022: 02023: 12024: 1154

NFIP claims by year of loss, Lancaster County, Virginia

1985: $6,84119851986: $01987: $01988: $01989: $019891990: $01991: $01992: $01993: $019931994: $441995: $01996: $3,4541997: $019971998: $27,5641999: $7,5562000: $02001: $020012002: $02003: $2.8 million2004: $02005: $020052006: $2.6 million2007: $02008: $02009: $173,21920092010: $30,3732011: $101,4222012: $27,2132013: $1,96820132014: $02015: $18,2462016: $5,3082017: $020172018: $28,3512019: $02020: $10,7712021: $020212022: $02023: $3,0602024: $26,689$2.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel151
Tropical Storm Ernesto132
November 2009 Nor'easter21
Hurricane Irene18
Flooding17
Hurricane Floyd5
Hurricane Sandy5
Hurricane Fran3

ZIP codes with the most claims

ZIP code (as reported)Claims
22578280
2250365
2252322
2248016
225765
224823
225172
225072

331 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.1 million, contents $618,110, increased cost of compliance $173,846.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone49627856.0%
All homes7,3114466.1%

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.