Flood Claims Map

Virginia

Flood insurance claims in Smyth County, Virginia

FEMA records 160 National Flood Insurance Program claims in Smyth County, Virginia, since 1978, with $1.2 million paid in total. The year with the most claims was 2024, with 30. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 16.0% of homes in the high-risk flood zone did.

NFIP claims on record160
Total paid$1.2 million
Claims with a payment107
Homes with NFIP policy1.0%
High-risk zone homes insured16.0%
Residential policies in force134

Claims by year of loss

1978: 319781979: 161980: 21981: 131982: 119821983: 01984: 71985: 01986: 019861987: 01988: 01989: 61990: 019901991: 01992: 01993: 11994: 119941995: 11996: 11997: 11998: 219981999: 02000: 12001: 122002: 2320022003: 172004: 12005: 12006: 020062007: 12008: 02009: 22010: 020102011: 22012: 02013: 32014: 220142015: 32016: 02017: 32018: 020182019: 12020: 12021: 02022: 020222023: 02024: 302025: 230

NFIP claims by year of loss, Smyth County, Virginia

1978: $9,75319781979: $16,2621980: $5,2381981: $9,6851982: $019821983: $01984: $4,9271985: $01986: $019861987: $01988: $01989: $5,5711990: $019901991: $01992: $01993: $01994: $5,41419941995: $4,7031996: $01997: $01998: $1,46919981999: $02000: $5082001: $55,1042002: $112,63720022003: $159,7092004: $3,8052005: $02006: $020062007: $02008: $02009: $9,7812010: $020102011: $24,1842012: $02013: $21,1632014: $7,63420142015: $13,5672016: $02017: $22,6252018: $020182019: $02020: $3,6632021: $02022: $020222023: $02024: $724,0492025: $0$724,049

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Helene29
Heavy rains10
Flooding5
Hurricane Fran1
Hurricane Irene1

ZIP codes with the most claims

ZIP code (as reported)Claims
2431956
2435453
2437026
2437513
243119
243782

102 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.1 million, contents $99,550, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone77612416.0%
All homes12,8621341.0%

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.