Flood insurance claims in Richmond County, Virginia

FEMA records 56 National Flood Insurance Program claims in Richmond County, Virginia, since 1985, with $1.3 million paid in total. The year with the most claims was 2003, with 21. As of 3 August 2026, 1.5% of homes here had an NFIP policy, and 37.8% of homes in the high-risk flood zone did.

NFIP claims on record56

Total paid$1.3 million

Claims with a payment53

Homes with NFIP policy1.5%

High-risk zone homes insured37.8%

Residential policies in force59

Claims by year of loss

NFIP claims by year of loss, Richmond County, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Isabel	21
Tropical Storm Ernesto	12
Flooding	5
October severe storms	3
November 2009 Nor'easter	3
Hurricane Fran	2
Hurricane Irene	1
Tropical Storm Ophelia	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
22460	50
22572	5
24460	1

23 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $956,558, contents $306,760, increased cost of compliance $60,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	127	48	37.8%
All homes	3,983	59	1.5%

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.