U.S. Virgin Islands
flood insurance data

NFIP premiums in U.S. Virgin Islands

NFIP premiums: what NFIP policyholders paid, not a quote. Across 754 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $473, and half of them fall between $382 (Q1) and $610 (Q3).

Residential NFIP policies counted by FEMA fell 19.1% between 2019 (932) and 2025 (754); the first year, 2019, has the highest count of the 7. Inside the Special Flood Hazard Area (SFHA), the median premium in U.S. Virgin Islands is $462, 13.6% lower than outside it ($535); most of its zoned policies sit inside the SFHA (73.2%). Of the 2 zones listed (A, X), zone X has the highest median premium ($535) and zone A the lowest ($462). No coastal V or VE zone is listed.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 754 policies.

NFIP paid building claims in U.S. Virgin Islands

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 205 paid claims; median $29,922, half of them between $15,504 (Q1) and $60,584 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $38,292, a monetary adjustment, not today’s cost of repair.

One event weighs on these figures: Hurricane Maria accounts for 56.6% of the paid claims in U.S. Virgin Islands, the next event (Hurricane Irma) for 30.2%. These figures largely reflect that one disaster. With 205 paid claims (year of loss 2015-2024), U.S. Virgin Islands has the 7th fewest of 53 States and territories. The median paid claim, $29,922, is 19.7% below the national median of the same years ($37,248), the 4th highest of 51 States and territories.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 12 flood, hurricane and severe-storm declarations (DR and EM) covering U.S. Virgin Islands, 8 of them major disaster declarations.

Latest declarations

• EM-3531: POTENTIAL TROPICAL CYCLONE NINE (Hurricane, 2020-07-29)
• EM-3418: HURRICANE DORIAN (Hurricane, 2019-08-28)
• DR-4340: HURRICANE MARIA (Hurricane, 2017-09-20)
• EM-3390: HURRICANE MARIA (Hurricane, 2017-09-18)
• DR-4335: HURRICANE IRMA (Hurricane, 2017-09-07)

FEMA assistance to homeowners

Since 2002: 14,109 owner registrations inspected by FEMA in U.S. Virgin Islands after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 14,109 owner registrations FEMA inspected in U.S. Virgin Islands after disasters of every declared type, 3.4% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4340, HURRICANE MARIA (declared 2017-09-20), with 8,884.

Disasters with the most inspections

• DR-4340, HURRICANE MARIA (declared 2017-09-20): 8,884 inspections
• DR-4335, HURRICANE IRMA (declared 2017-09-07): 5,225 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 1 NFIP communities in U.S. Virgin Islands: 1 participate in the NFIP and 0 (0.0%) are classed in the Community Rating System (CRS). The oldest flood map still in effect in U.S. Virgin Islands dates from 2007-04-16 (Virgin Islands, Territory of The).

In U.S. Virgin Islands, 100.0% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in U.S. Virgin Islands

How much is flood insurance in U.S. Virgin Islands?

NFIP policyholders in U.S. Virgin Islands paid a median of $473 for residential policies effective 2025 (754 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $382 and $610; $462 inside the Special Flood Hazard Area against $535 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has U.S. Virgin Islands had?

205 NFIP building claims were paid (year of loss 2015-2024), with a median of $29,922; the year with the most was 2017 (190), and the named event with the most was Hurricane Maria (116). These are amounts paid, not repair cost.

Is U.S. Virgin Islands in a flood zone?

Of the residential NFIP policies of U.S. Virgin Islands (policies effective 2025), 552 are rated inside the Special Flood Hazard Area and 202 outside it (zones listed: A, X), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Named storms with paid claims in U.S. Virgin Islands

• Hurricane Maria

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).