Flood insurance claims in Southampton County, Virginia

FEMA records 91 National Flood Insurance Program claims in Southampton County, Virginia, since 1999, with $3.5 million paid in total. The year with the most claims was 1999, with 49. As of 3 August 2026, 1.7% of homes here had an NFIP policy, and 28.2% of homes in the high-risk flood zone did.

NFIP claims on record91

Total paid$3.5 million

Claims with a payment81

Homes with NFIP policy1.7%

High-risk zone homes insured28.2%

Residential policies in force137

Claims by year of loss

NFIP claims by year of loss, Southampton County, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Floyd	47
Hurricane Isabel	10
Hurricane Irene	2
Hurricane Matthew	2
November 2009 Nor'easter	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
23851	74
23837	12
23827	2
23898	2
23844	1

69 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.5 million, contents $847,986, increased cost of compliance $146,898.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	341	96	28.2%
All homes	8,176	137	1.7%

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.