Flood Claims Map

Virginia

Flood insurance claims in Surry County, Virginia

FEMA records 70 National Flood Insurance Program claims in Surry County, Virginia, since 1985, with $2.7 million paid in total. The year with the most claims was 2003, with 35. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 34.7% of homes in the high-risk flood zone did.

NFIP claims on record70
Total paid$2.7 million
Claims with a payment61
Homes with NFIP policy1.0%
High-risk zone homes insured34.7%
Residential policies in force32

Claims by year of loss

1985: 119851986: 01987: 01988: 019881989: 01990: 01991: 019911992: 01993: 01994: 019941995: 01996: 31997: 019971998: 31999: 32000: 020002001: 02002: 02003: 3520032004: 12005: 02006: 1020062007: 02008: 02009: 720092010: 02011: 02012: 020122013: 12014: 02015: 220152016: 02017: 12018: 120182019: 02020: 235

NFIP claims by year of loss, Surry County, Virginia

1985: $3,60919851986: $01987: $01988: $019881989: $01990: $01991: $019911992: $01993: $01994: $019941995: $01996: $3,1061997: $019971998: $56,2341999: $52,2832000: $020002001: $02002: $02003: $1.8 million20032004: $02005: $02006: $258,52020062007: $02008: $02009: $159,66420092010: $02011: $02012: $020122013: $13,3992014: $02015: $22,28520152016: $02017: $33,0072018: $12,34320182019: $02020: $281,016$1.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel33
November 2009 Nor'easter7
Tropical Storm Ernesto5
Flooding4
Hurricane Fran3
Hurricane Floyd3
October severe storms2

ZIP codes with the most claims

ZIP code (as reported)Claims
2389936
2388322
238393
238813
238902
236001
232221
238891
238881

51 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.0 million, contents $398,956, increased cost of compliance $228,771.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone752634.7%
All homes3,178321.0%

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.