Flood insurance claims in Orange County, Virginia

FEMA records 20 National Flood Insurance Program claims in Orange County, Virginia, since 1995, with $279,047 paid in total. The year with the most claims was 2025, with 5. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 54.3% of homes in the high-risk flood zone did.

NFIP claims on record20

Total paid$279,047

Claims with a payment13

Homes with NFIP policy0.5%

High-risk zone homes insured54.3%

Residential policies in force69

Claims by year of loss

NFIP claims by year of loss, Orange County, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Irene	2
Hurricane Isabel	1
Mid-spring storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
22508	15
22960	4
22972	1

3 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $238,971, contents $40,076, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	35	19	54.3%
All homes	14,967	69	0.5%

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

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.