Flood Claims Map

Virginia

Flood insurance claims in Spotsylvania County, Virginia

FEMA records 54 National Flood Insurance Program claims in Spotsylvania County, Virginia, since 1978, with $162,735 paid in total. The year with the most claims was 2003, with 6. As of 3 August 2026, 0.8% of homes here had an NFIP policy.

NFIP claims on record54
Total paid$162,735
Claims with a payment26
Homes with NFIP policy0.8%
High-risk zone homes insuredn/a
Residential policies in force249

Claims by year of loss

1978: 119781979: 21980: 01981: 01982: 019821983: 01984: 11985: 11986: 019861987: 01988: 01989: 11990: 019901991: 01992: 01993: 01994: 019941995: 21996: 11997: 01998: 119981999: 02000: 02001: 02002: 020022003: 62004: 02005: 12006: 220062007: 22008: 02009: 12010: 120102011: 32012: 22013: 12014: 520142015: 12016: 42017: 12018: 420182019: 22020: 22021: 02022: 120222023: 02024: 32025: 26

NFIP claims by year of loss, Spotsylvania County, Virginia

1978: $019781979: $8741980: $01981: $01982: $019821983: $01984: $1,4351985: $2,4361986: $019861987: $01988: $01989: $1,6221990: $019901991: $01992: $01993: $01994: $019941995: $3,5411996: $01997: $01998: $1,98419981999: $02000: $02001: $02002: $020022003: $15,2862004: $02005: $5,3472006: $25,80720062007: $5,5672008: $02009: $02010: $5,43820102011: $3,7292012: $23,3172013: $02014: $9,51520142015: $02016: $7,3862017: $02018: $25,40320182019: $02020: $02021: $02022: $020222023: $02024: $22,6992025: $1,348$25,807

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel5
Mid-spring storms3
Flooding2
Hurricane Fran1
Hurricane Sandy1

ZIP codes with the most claims

ZIP code (as reported)Claims
2240724
224088
225536
225515
224054
226372
230242
229601

11 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $158,395, contents $4,340, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone052n/a
All homes32,5812490.8%

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.