Flood insurance claims in Wise County, Virginia

FEMA records 348 National Flood Insurance Program claims in Wise County, Virginia, since 1978, with $2.7 million paid in total. The year with the most claims was 2002, with 81. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 12.2% of homes in the high-risk flood zone did.

NFIP claims on record348

Total paid$2.7 million

Claims with a payment280

Homes with NFIP policy1.1%

High-risk zone homes insured12.2%

Residential policies in force154

Claims by year of loss

NFIP claims by year of loss, Wise County, Virginia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	27
Heavy rains	17
Late July Flooding	7
Hurricane Helene	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
24219	91
24279	78
24230	65
24293	54
24216	17
24273	11
24283	11
24246	9
24218	1

228 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.1 million, contents $592,204, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,115	136	12.2%
All homes	14,296	154	1.1%

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

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.