Flood Claims Map

Virginia

Flood insurance claims in Norfolk city, Virginia

FEMA records 6,019 National Flood Insurance Program claims in Norfolk city, Virginia, since 1978, with $69.1 million paid in total. The year with the most claims was 2009, with 1,504. As of 3 August 2026, 14.1% of homes here had an NFIP policy.

NFIP claims on record6,019
Total paid$69.1 million
Claims with a payment4,765
Homes with NFIP policy14.1%
High-risk zone homes insuredn/a
Residential policies in force8,261

Claims by year of loss

1978: 9119781979: 151980: 121981: 61982: 7019821983: 111984: 41985: 101986: 419861987: 131988: 71989: 121990: 3019901991: 161992: 281993: 51994: 1919941995: 31996: 131997: 111998: 42119981999: 4092000: 182001: 62002: 1320022003: 1,3152004: 392005: 72006: 23220062007: 52008: 152009: 1,5042010: 7220102011: 7702012: 2102013: 162014: 1920142015: 622016: 3742017: 152018: 1620182019: 162020: 222021: 62022: 1820222023: 112024: 62025: 102026: 1220261,504

NFIP claims by year of loss, Norfolk city, Virginia

1978: $197,68819781979: $108,6141980: $15,4131981: $5,4481982: $183,73919821983: $2,5991984: $10,5331985: $2,2251986: $1,52619861987: $29,6621988: $7,7071989: $154,7831990: $54,47419901991: $6,0341992: $21,0821993: $1361994: $46,43819941995: $01996: $2,3311997: $30,8461998: $1.7 million19981999: $1.4 million2000: $16,9312001: $101,4022002: $62,07520022003: $16.2 million2004: $410,6292005: $65,6232006: $2.4 million20062007: $30,8952008: $63,6622009: $24.1 million2010: $379,12620102011: $11.8 million2012: $2.6 million2013: $102,5982014: $67,62420142015: $416,7202016: $5.4 million2017: $17,6532018: $204,77620182019: $62,8012020: $148,5172021: $28,9622022: $82,08420222023: $80,2592024: $13,1312025: $83,5502026: $102,1352026$24.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
November 2009 Nor'easter1,406
Hurricane Isabel1,293
Hurricane Irene740
Flooding403
Hurricane Floyd323
Hurricane Matthew301
Hurricane Sandy202
Tropical Storm Ernesto64

ZIP codes with the most claims

ZIP code (as reported)Claims
235081,471
235031,317
23518928
23505608
23502380
23504283
23510278
23507271
23509264
23513104

4,719 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $63.0 million, contents $5.2 million, increased cost of compliance $857,545.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone05,227n/a
All homes58,4258,26114.1%

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.