Flood insurance in Virginia: cost by ZIP code and county
Virginia has 67,755 single-family flood policies; the median bill was $807 on July 31, 2026, below the national median.
Median single-family flood bill, Virginia
$807
67,755 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $827 |
| Policies still below their full-risk price | 31 % |
| Median paid in August 2023 | $708 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $4,135 |
| Median claim paid, 2016 to 2025 (3,827 claims) | $14,060 |
Compiled by Radif Partners · Where the numbers come from · 496 ZIP codes and 127 counties of Virginia in FEMA's tables · not a quote
Virginia homeowners paid a median $807 a year for a single-family federal flood policy on July 31, 2026, a figure that counts the premium plus the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. That is less than the national $1,081, and the state is also close to its full-risk level: the same 67,755 policies would cost a median $827 at full risk, and only 31 % of them still pay less. The zone you are in matters more here than in most states. A-zone homes paid a median $969, X-zone homes $645. Six independent cities in VDOT's Hampton Roads District (Virginia Beach, Hampton, Norfolk, Chesapeake, Portsmouth and Poquoson) account for 40,347 policies, about 60 % of the state, and FEMA rated 76 % of Virginia's single-family policies as exposed to storm surge.
A market led by Hampton Roads cities
Virginia reports flood data by city as well as by county, because its independent cities are counted apart from the counties around them. The list is led by the City of Virginia Beach, with 13,406 single-family policies at a median bill of $754. Norfolk follows at $754 and Hampton at $771. In each of them the median full-risk bill is within a few dollars of the median paid, which means most bills there have already climbed to the level FEMA's model sets.
Two neighbours break that pattern. Poquoson, an independent city bordering York County, had 2,941 policies at a median of $1,100, with 46 % still capped. York County is further from full price: $1,164 paid against $1,761 at full risk.
What Matthew left behind
The Hurricane Matthew in 2016 is the event that paid the most single-family claims in Virginia over 2016 to 2025: 1,823 claims and $59,649,653. That one storm is 48 % of the 3,827 paid claims in the state. Virginia Beach recorded 1,430 paid claims over the whole period, and its median claim, $31,643, compares with a state median of $14,060.
Zone letters split the Virginia price more sharply than they do in many states. The 30,102 policies rated X, B or C had a median bill of $645, against $969 for the 37,024 rated A. Yet 1,457 of the paid claims came from those lower-risk zones, with a median payment of $9,100.
A median Virginia claim, in years of flood bills
Median single-family claim paid in Virginia, 2016 to 2025
$14,060
| Years of the bill entered that one median claim equals | 13 |
| Median claim, whole country | $42,494 |
| Average claim, whole country | $70,978 |
Outside Hampton Roads, a different price
Outside the Hampton Roads cities, policy counts are smaller, but the gaps can be wide: Shenandoah County had the largest ratio of full-risk to current cost in FEMA's 2023 table. A cheap bill there is less settled than a cheap bill in Norfolk. Federally regulated lenders require coverage in A and V zones, a rule explained in when flood insurance is required.
The Virginia counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Virginia Beach, City of | 13,406 | $754 | $762 | 29 % | 1 | $688 | $31,643 |
| Hampton, City of | 7,869 | $771 | $787 | 26 % | 1 | $694 | $6,765 |
| Norfolk, City of | 7,204 | $754 | $765 | 20 % | 1 | $684 | $7,046 |
| Chesapeake, City of | 6,169 | $722 | $729 | 19 % | 1 | $673 | $8,620 |
| Fairfax County | 3,412 | $658 | $661 | 24 % | 1 | $625 | $7,309 |
| Poquoson, City of | 2,941 | $1,100 | $1,266 | 46 % | 1 | $868 | $5,896 |
| Portsmouth, City of | 2,758 | $629 | $636 | 18 % | 1 | $615 | $7,418 |
| York County | 2,485 | $1,164 | $1,761 | 57 % | 3 | $798 | n/a |
Full-risk prices of Virginia homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 46,617 | 63.4 % | $441,994 |
| $1,000 to $2,000 | 17,478 | 23.8 % | $452,602 |
| $2,000 to $3,000 | 5,368 | 7.3 % | $480,580 |
| $3,000 to $4,000 | 2,232 | 3.0 % | $510,627 |
| $4,000 to $5,000 | 975 | 1.3 % | $525,248 |
| $5,000 or more | 840 | 1.2 % |
The floods that paid the most Virginia claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Hurricane Matthew | 2016 | 1,823 | $59,649,653 |
| Hurricane Helene | 2024 | 97 | $5,166,621 |
| Hurricane Michael | 2018 | 139 | $3,402,087 |