Flood Claims Map

Virginia

Flood insurance claims in Middlesex County, Virginia

FEMA records 234 National Flood Insurance Program claims in Middlesex County, Virginia, since 1978, with $3.2 million paid in total. The year with the most claims was 2003, with 100. As of 3 August 2026, 4.0% of homes here had an NFIP policy, and 41.1% of homes in the high-risk flood zone did.

NFIP claims on record234
Total paid$3.2 million
Claims with a payment171
Homes with NFIP policy4.0%
High-risk zone homes insured41.1%
Residential policies in force291

Claims by year of loss

1978: 219781979: 11980: 01981: 01982: 019821983: 01984: 31985: 51986: 019861987: 01988: 01989: 01990: 019901991: 01992: 21993: 01994: 019941995: 11996: 51997: 11998: 819981999: 112000: 22001: 12002: 020022003: 1002004: 12005: 02006: 6520062007: 02008: 02009: 112010: 120102011: 72012: 02013: 02014: 020142015: 12016: 32017: 02018: 120182019: 02020: 12021: 02022: 12022100

NFIP claims by year of loss, Middlesex County, Virginia

1978: $1,25319781979: $01980: $01981: $01982: $019821983: $01984: $01985: $5,5861986: $019861987: $01988: $01989: $01990: $019901991: $01992: $10,7511993: $01994: $019941995: $3,6251996: $4,1981997: $01998: $33,45019981999: $49,9862000: $02001: $02002: $020022003: $1.7 million2004: $30,0002005: $02006: $1.1 million20062007: $02008: $02009: $173,2152010: $68120102011: $29,4972012: $02013: $02014: $020142015: $5,9392016: $28,8792017: $02018: $56,70120182019: $02020: $02021: $02022: $02022$1.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel98
Tropical Storm Ernesto63
Hurricane Floyd11
Flooding9
November 2009 Nor'easter9
Hurricane Irene6
Hurricane Matthew2
Hurricane Fran2

ZIP codes with the most claims

ZIP code (as reported)Claims
23043134
2317535
2307122
2317615
231699
231808
231493
232352
230791
232941

195 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.6 million, contents $376,318, increased cost of compliance $266,070.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone34314141.1%
All homes7,2792914.0%

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.