Flood insurance claims in Warren County, Virginia

FEMA records 370 National Flood Insurance Program claims in Warren County, Virginia, since 1979, with $6.8 million paid in total. The year with the most claims was 1996, with 192. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 17.3% of homes in the high-risk flood zone did.

NFIP claims on record370

Total paid$6.8 million

Claims with a payment306

Homes with NFIP policy0.8%

High-risk zone homes insured17.3%

Residential policies in force136

Claims by year of loss

NFIP claims by year of loss, Warren County, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	131
Hurricane Fran	114
Hurricane Isabel	21
Hurricane Debby	2
Hurricane Sandy	1
Tropical Storm Ivan	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
22630	329
22651	11
22610	6
22657	5
22642	3
22645	2
22152	2

284 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.4 million, contents $1.4 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	543	94	17.3%
All homes	16,092	136	0.8%

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

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.