Flood Claims Map

Virginia

Flood insurance claims in Virginia Beach city, Virginia

FEMA records 6,260 National Flood Insurance Program claims in Virginia Beach city, Virginia, since 1978, with $103.8 million paid in total. The year with the most claims was 2016, with 1,494. As of 3 August 2026, 12.1% of homes here had an NFIP policy.

NFIP claims on record6,260
Total paid$103.8 million
Claims with a payment4,690
Homes with NFIP policy12.1%
High-risk zone homes insuredn/a
Residential policies in force14,810

Claims by year of loss

1978: 6119781979: 101980: 161981: 91982: 6819821983: 171984: 121985: 541986: 1219861987: 371988: 911989: 931990: 8219901991: 961992: 751993: 271994: 5619941995: 231996: 571997: 191998: 61319981999: 3312000: 602001: 122002: 3820022003: 6432004: 272005: 112006: 22420062007: 32008: 312009: 8662010: 6120102011: 3282012: 2162013: 82014: 3120142015: 512016: 1,4942017: 242018: 5620182019: 362020: 562021: 102022: 2120222023: 302024: 232025: 342026: 720261,494

NFIP claims by year of loss, Virginia Beach city, Virginia

1978: $60,55619781979: $9,5221980: $16,0021981: $1,6571982: $97,97519821983: $26,1071984: $9,9841985: $49,4051986: $3,78219861987: $70,9691988: $590,1231989: $614,6241990: $106,33419901991: $284,3061992: $418,8591993: $208,6511994: $948,37119941995: $324,2001996: $176,3931997: $214,0761998: $3.0 million19981999: $1.3 million2000: $317,6682001: $9,2902002: $82,22620022003: $7.1 million2004: $181,7942005: $34,5352006: $2.6 million20062007: $27,4342008: $176,9972009: $18.5 million2010: $405,01820102011: $5.2 million2012: $3.5 million2013: $23,6522014: $140,90720142015: $297,0702016: $53.4 million2017: $210,3592018: $1.1 million20182019: $484,2882020: $515,9562021: $64,4332022: $106,58620222023: $224,8432024: $144,5502025: $377,2602026: $41,9752026$53.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Matthew1,385
November 2009 Nor'easter810
Hurricane Isabel620
Flooding581
Hurricane Irene278
Hurricane Sandy204
Tropical Storm Ernesto158
Hurricane Floyd133

ZIP codes with the most claims

ZIP code (as reported)Claims
234512,039
234521,688
234561,039
23455508
23464304
23454230
23453203
23462146
2345795
234002

4,576 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $89.9 million, contents $13.2 million, increased cost of compliance $669,075.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone06,131n/a
All homes122,18314,81012.1%

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.