Flood insurance claims in Rockingham County, Virginia

FEMA records 282 National Flood Insurance Program claims in Rockingham County, Virginia, since 1979, with $4.5 million paid in total. The year with the most claims was 1996, with 177. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 14.5% of homes in the high-risk flood zone did.

NFIP claims on record282

Total paid$4.5 million

Claims with a payment220

Homes with NFIP policy0.7%

High-risk zone homes insured14.5%

Residential policies in force272

Claims by year of loss

NFIP claims by year of loss, Rockingham County, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Fran	148
Flooding	71
Hurricane Isabel	17
Hurricane Florence	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
22812	61
22827	47
22821	37
22815	25
22831	21
22853	20
24471	16
22830	11
22801	9
22841	9

191 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.4 million, contents $1.0 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,350	196	14.5%
All homes	37,432	272	0.7%

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.