Flood Claims Map

Virginia

Flood insurance claims in Montgomery County, Virginia

FEMA records 181 National Flood Insurance Program claims in Montgomery County, Virginia, since 1978, with $3.2 million paid in total. The year with the most claims was 1985, with 24. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 15.0% of homes in the high-risk flood zone did.

NFIP claims on record181
Total paid$3.2 million
Claims with a payment145
Homes with NFIP policy0.5%
High-risk zone homes insured15.0%
Residential policies in force148

Claims by year of loss

1978: 619781979: 121980: 11981: 01982: 019821983: 41984: 01985: 241986: 019861987: 01988: 01989: 111990: 019901991: 01992: 111993: 11994: 219941995: 81996: 151997: 01998: 019981999: 02000: 12001: 02002: 020022003: 132004: 142005: 02006: 020062007: 02008: 02009: 72010: 020102011: 02012: 02013: 52014: 020142015: 82016: 02017: 02018: 1220182019: 02020: 72021: 22022: 020222023: 12024: 132025: 324

NFIP claims by year of loss, Montgomery County, Virginia

1978: $2,06719781979: $67,7411980: $01981: $01982: $019821983: $4,2051984: $01985: $190,9301986: $019861987: $01988: $01989: $51,3891990: $019901991: $01992: $20,6951993: $01994: $019941995: $63,7161996: $96,7871997: $01998: $019981999: $02000: $02001: $02002: $020022003: $60,8822004: $97,1852005: $02006: $020062007: $02008: $02009: $110,9882010: $020102011: $02012: $02013: $70,0472014: $020142015: $152,9972016: $02017: $02018: $418,31020182019: $02020: $135,3072021: $64,6742022: $020222023: $02024: $1.4 million2025: $171,501$1.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding23
Hurricane Fran14
Tropical Storm Ivan13
Hurricane Helene12
Hurricane Michael8
October severe storms8
Hurricane Florence3
Hurricane Eta1

ZIP codes with the most claims

ZIP code (as reported)Claims
2416263
2406044
2408739
2407318
241498
240683
241112
241411
240611
241381

117 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.7 million, contents $556,448, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6199315.0%
All homes28,4491480.5%

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.