Flood Claims Map

Virginia

Flood insurance claims in Northumberland County, Virginia

FEMA records 385 National Flood Insurance Program claims in Northumberland County, Virginia, since 1982, with $6.9 million paid in total. The year with the most claims was 2006, with 131. As of 3 August 2026, 6.1% of homes here had an NFIP policy, and 47.4% of homes in the high-risk flood zone did.

NFIP claims on record385
Total paid$6.9 million
Claims with a payment283
Homes with NFIP policy6.1%
High-risk zone homes insured47.4%
Residential policies in force517

Claims by year of loss

1982: 219821983: 11984: 11985: 91986: 019861987: 01988: 01989: 01990: 019901991: 11992: 01993: 21994: 519941995: 11996: 71997: 01998: 919981999: 122000: 12001: 02002: 020022003: 1222004: 02005: 32006: 13120062007: 02008: 122009: 142010: 220102011: 212012: 12013: 22014: 120142015: 112016: 12017: 12018: 520182019: 02020: 12021: 6131

NFIP claims by year of loss, Northumberland County, Virginia

1982: $69319821983: $01984: $9231985: $12,4851986: $019861987: $01988: $01989: $01990: $019901991: $5001992: $01993: $01994: $5,28919941995: $1391996: $5,9631997: $01998: $14,37519981999: $15,0312000: $02001: $02002: $020022003: $2.4 million2004: $02005: $18,1132006: $3.7 million20062007: $02008: $164,1532009: $86,3732010: $2,37920102011: $198,0642012: $7,1602013: $26,5222014: $020142015: $125,3802016: $02017: $4142018: $23,77720182019: $02020: $2,0852021: $163,263$3.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Ernesto124
Hurricane Isabel119
Flooding18
Hurricane Irene18
November 2009 Nor'easter13
Hurricane Floyd12
October severe storms11
Hurricane Fran3

ZIP codes with the most claims

ZIP code (as reported)Claims
22511194
2248281
2247349
2253918
2243515
2257911
225056
224322
224032
234822

278 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.5 million, contents $949,658, increased cost of compliance $442,522.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone32915647.4%
All homes8,4125176.1%

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.