Flood Claims Map

Virginia

Flood insurance claims in Stafford County, Virginia

FEMA records 164 National Flood Insurance Program claims in Stafford County, Virginia, since 1979, with $1.4 million paid in total. The year with the most claims was 2003, with 35. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 22.5% of homes in the high-risk flood zone did.

NFIP claims on record164
Total paid$1.4 million
Claims with a payment99
Homes with NFIP policy0.8%
High-risk zone homes insured22.5%
Residential policies in force377

Claims by year of loss

1979: 219791980: 01981: 11982: 01983: 019831984: 01985: 21986: 01987: 019871988: 01989: 11990: 01991: 019911992: 01993: 21994: 11995: 819951996: 171997: 01998: 11999: 019992000: 32001: 02002: 02003: 3520032004: 12005: 42006: 42007: 120072008: 112009: 22010: 22011: 420112012: 02013: 22014: 92015: 020152016: 92017: 22018: 232019: 520192020: 42021: 32022: 02023: 020232024: 22025: 335

NFIP claims by year of loss, Stafford County, Virginia

1979: $59219791980: $01981: $1,3661982: $01983: $019831984: $01985: $16,9051986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $4,0341994: $5,0311995: $78,46719951996: $150,2901997: $01998: $01999: $019992000: $1,6192001: $02002: $02003: $434,40220032004: $2,9952005: $3,1252006: $66,4452007: $1,81120072008: $58,7152009: $2,7272010: $2,1862011: $020112012: $02013: $02014: $65,4042015: $020152016: $1,9492017: $1,1552018: $421,9072019: $20,79520192020: $2,8682021: $6,2792022: $02023: $020232024: $6,4892025: $0$434,402

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel32
Hurricane Fran17
Flooding3
Mid-spring storms3
Hurricane Irene3
Hurricane Michael3
Tropical Storm Ernesto2
November 2009 Nor'easter1

ZIP codes with the most claims

ZIP code (as reported)Claims
2255487
2240548
2255623
224063
220261
224081
224421

77 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $185,067, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3517922.5%
All homes49,9173770.8%

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.