Flood insurance claims in Virginia by county
FEMA records 50,040 NFIP claims in Virginia's counties, with $763.5 million paid. As of 3 August 2026, 72,514 NFIP residential policies were in force, equal to 2.7% of the state's residential structures.
| Virginia Beach city | 6,260 | $103.8 million | 12.1% |
| Norfolk city | 6,019 | $69.1 million | 14.1% |
| Hampton city | 5,774 | $73.7 million | 17.7% |
| Poquoson city | 4,290 | $72.9 million | 63.0% |
| Chesapeake city | 2,634 | $27.3 million | 8.3% |
| Portsmouth city | 1,748 | $20.0 million | 9.6% |
| York County | 1,569 | $34.0 million | 11.0% |
| Fairfax County | 1,488 | $16.5 million | 1.1% |
| Gloucester County | 1,378 | $30.9 million | 8.0% |
| Roanoke city | 1,184 | $20.2 million | 0.7% |
| Mathews County | 1,162 | $20.5 million | 20.2% |
| Accomack County | 1,114 | $12.6 million | 13.4% |
| Newport News city | 1,065 | $23.9 million | 2.7% |
| Salem city | 812 | $18.9 million | 1.5% |
| Roanoke County | 583 | $6.6 million | 0.7% |
| Richmond city | 547 | $11.8 million | 0.6% |
| Prince William County | 485 | $5.8 million | 1.3% |
| Tazewell County | 481 | $7.6 million | 0.7% |
| Alexandria city | 404 | $7.2 million | 2.4% |
| Lancaster County | 396 | $5.8 million | 6.1% |
| Northumberland County | 385 | $6.9 million | 6.1% |
| James City County | 370 | $6.4 million | 2.8% |
| Warren County | 370 | $6.8 million | 0.8% |
| Waynesboro city | 367 | $6.0 million | 1.1% |
| Buchanan County | 360 | $4.6 million | 1.5% |
| Henrico County | 357 | $4.2 million | 1.1% |
| Wise County | 348 | $2.7 million | 1.1% |
| Rockbridge County | 313 | $5.1 million | 0.9% |
| Rockingham County | 282 | $4.5 million | 0.7% |
| Buena Vista city | 276 | $4.0 million | 0.8% |
| Chesterfield County | 268 | $3.6 million | 0.5% |
| Essex County | 241 | $5.9 million | 2.9% |
| Botetourt County | 239 | $3.7 million | 0.9% |
| Middlesex County | 234 | $3.2 million | 4.0% |
| Suffolk city | 234 | $5.2 million | 2.5% |
| Westmoreland County | 230 | $6.5 million | 2.3% |
| Arlington County | 215 | $1.9 million | 1.9% |
| Alleghany County | 213 | $2.9 million | 1.5% |
| Covington city | 206 | $1.9 million | 2.0% |
| Shenandoah County | 205 | $5.7 million | 0.5% |
| Page County | 188 | $3.6 million | 0.9% |
| Halifax County | 186 | $2.3 million | 0.1% |
| Augusta County | 183 | $3.0 million | 0.5% |
| Isle of Wight County | 183 | $5.3 million | 1.5% |
| Montgomery County | 181 | $3.2 million | 0.5% |
| Loudoun County | 168 | $2.0 million | 0.9% |
| Danville city | 164 | $5.0 million | 0.2% |
| Stafford County | 164 | $1.4 million | 0.8% |
| Smyth County | 160 | $1.2 million | 1.0% |
| Lynchburg city | 151 | $4.1 million | 0.2% |
| Henry County | 148 | $2.5 million | 0.2% |
| Petersburg city | 129 | $2.3 million | 0.9% |
| Albemarle County | 123 | $1.3 million | 0.4% |
| Dickenson County | 118 | $513,599 | 0.3% |
| Franklin city | 106 | $5.0 million | 0.8% |
| Pulaski County | 99 | $2.7 million | 0.5% |
| Northampton County | 98 | $1.1 million | 5.0% |
| Craig County | 94 | $1.3 million | 1.3% |
| Southampton County | 91 | $3.5 million | 1.7% |
| King William County | 89 | $2.4 million | 0.9% |
| Giles County | 88 | $1.8 million | 1.1% |
| Washington County | 80 | $1.7 million | 0.5% |
| Colonial Heights city | 79 | $1.2 million | 0.7% |
| Falls Church city | 74 | $471,724 | 4.9% |
| Surry County | 70 | $2.7 million | 1.0% |
| Frederick County | 57 | $552,363 | 0.3% |
| Staunton city | 57 | $786,114 | 0.7% |
| Richmond County | 56 | $1.3 million | 1.5% |
| Harrisonburg city | 55 | $761,720 | 0.5% |
| Spotsylvania County | 54 | $162,735 | 0.8% |
| Amherst County | 53 | $756,454 | 0.3% |
| Fairfax city | 53 | $939,666 | 1.9% |
| Russell County | 52 | $440,938 | 0.4% |
| Bland County | 50 | $950,446 | 1.1% |
| Lee County | 50 | $733,164 | 0.3% |
| Norton city | 46 | $303,227 | 1.9% |
| Franklin County | 45 | $646,772 | 0.3% |
| Patrick County | 45 | $1.1 million | 0.2% |
| Charlottesville city | 44 | $287,321 | 0.6% |
| Fredericksburg city | 44 | $259,108 | 1.1% |
| Culpeper County | 43 | $721,897 | 0.2% |
| Prince Edward County | 40 | $460,578 | 0.2% |
| Hanover County | 39 | $625,064 | 0.4% |
| New Kent County | 36 | $597,544 | 1.1% |
| Prince George County | 36 | $322,294 | 0.6% |
| Scott County | 36 | $394,716 | 0.5% |
| Clarke County | 34 | $540,643 | 0.8% |
| Lexington city | 34 | $253,384 | 0.5% |
| Sussex County | 34 | $143,529 | 0.8% |
| Fauquier County | 33 | $175,371 | 0.4% |
| Nelson County | 31 | $237,967 | 0.4% |
| Wythe County | 31 | $386,823 | 0.7% |
| Campbell County | 30 | $414,971 | 0.1% |
| Greene County | 28 | $230,825 | 0.6% |
| Bedford County | 26 | $216,194 | 0.3% |
| Pittsylvania County | 26 | $430,663 | 0.0% |
| Manassas city | 25 | $119,372 | 0.4% |
| Bristol city | 24 | $127,744 | 0.2% |
| Fluvanna County | 23 | $276,616 | 0.3% |
| Carroll County | 22 | $239,485 | 0.2% |
| King and Queen County | 22 | $644,685 | 1.0% |
| Orange County | 20 | $279,047 | 0.5% |
| Floyd County | 19 | $725,083 | 0.2% |
| Madison County | 19 | $128,126 | 0.6% |
| Emporia city | 18 | $34,370 | 0.9% |
| Goochland County | 18 | $156,695 | 0.5% |
| Hopewell city | 18 | $170,737 | 0.2% |
| Williamsburg city | 18 | $84,430 | 0.9% |
| Winchester city | 17 | $100,601 | 0.9% |
| Bath County | 16 | $144,053 | 0.7% |
| King George County | 16 | $91,377 | 0.5% |
| Brunswick County | 12 | $34,708 | 0.1% |
| Cumberland County | 11 | $301,715 | 0.2% |
| Appomattox County | 9 | $256,136 | 0.1% |
| Charles City County | 9 | $60,932 | 0.5% |
| Rappahannock County | 9 | $16,786 | 0.8% |
| Buckingham County | 8 | $58,019 | 0.1% |
| Caroline County | 8 | $42,227 | 0.4% |
| Dinwiddie County | 8 | $85,451 | 0.2% |
| Mecklenburg County | 8 | $72,397 | 0.3% |
| Amelia County | 7 | $123,035 | 0.1% |
| Grayson County | 6 | $11,403 | 0.2% |
| Highland County | 6 | $54,989 | 0.8% |
| Radford city | 6 | $492,970 | 0.3% |
| Greensville County | 5 | $38,810 | 0.2% |
| Manassas Park city | 5 | $9,145 | 0.3% |
| Louisa County | 4 | $36,477 | 0.0% |
| Charlotte County | 2 | $1,709 | 0.0% |
| Galax city | 2 | $3,227 | 0.0% |
| Nottoway County | 1 | $2,599 | 0.1% |
| Powhatan County | 1 | $4,867 | 0.4% |
| Lunenburg County | 0 | $0 | 0.0% |
| Martinsville city | 0 | $0 | 0.0% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.