Flood insurance claims in Shenandoah County, Virginia

FEMA records 205 National Flood Insurance Program claims in Shenandoah County, Virginia, since 1985, with $5.7 million paid in total. The year with the most claims was 1996, with 139. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 10.5% of homes in the high-risk flood zone did.

NFIP claims on record205

Total paid$5.7 million

Claims with a payment182

Homes with NFIP policy0.5%

High-risk zone homes insured10.5%

Residential policies in force98

Claims by year of loss

NFIP claims by year of loss, Shenandoah County, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	89
Hurricane Fran	78
Hurricane Isabel	5
Hurricane Sandy	4

ZIP codes with the most claims

ZIP code (as reported)	Claims
22824	51
22657	40
22664	31
22644	31
22842	18
22844	11
22847	3
22810	3
22641	2
22660	2

149 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.3 million, contents $1.4 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	543	57	10.5%
All homes	18,554	98	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.