Virginia Beach city, Virginia
flood insurance data

NFIP premiums in Virginia Beach city

NFIP premiums: what NFIP policyholders paid, not a quote. Across 14,231 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $749, and half of them fall between $563 (Q1) and $1,055 (Q3).

Residential NFIP policies counted by FEMA fell 27.5% between 2019 (19,633) and 2025 (14,231); the first year, 2019, has the highest count of the 7. Inside the Special Flood Hazard Area (SFHA), the median premium in Virginia Beach city is $931, 39.0% higher than outside it ($670); most of its zoned policies sit outside it (60.0%). Of the 4 zones listed (X, AE, A, VE), zone VE has the highest median premium ($1,049) and zone A the lowest ($548). Coastal high-hazard zone VE is listed, with 330 policies. With 14,231 residential NFIP policies effective 2025, Virginia Beach city has the 40th most of 339 counties with all four FEMA sources, and the most of 6 Virginia counties of that list. The median NFIP premium in Virginia Beach city, $749, is 6.8% below the Virginia median ($804) and 29.0% below the national median ($1,055); it is the 38th lowest of 339 counties with all four FEMA sources.

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 14,231 policies.

NFIP paid building claims in Virginia Beach city

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 1,531 paid claims; median $27,198, half of them between $11,123 (Q1) and $46,586 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $35,152, a monetary adjustment, not today’s cost of repair.

With 1,531 paid claims (year of loss 2015-2024), Virginia Beach city has the 49th most of 339 counties with all four FEMA sources, and the most of 6 Virginia counties of that list.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 8 flood, hurricane and severe-storm declarations (DR and EM) covering Virginia Beach city, 4 of them major disaster declarations.

Latest declarations

• EM-3403: HURRICANE FLORENCE (Hurricane, 2018-09-11)
• DR-4291: HURRICANE MATTHEW (Hurricane, 2016-11-02)
• EM-3359: HURRICANE SANDY (Hurricane, 2012-10-29)
• DR-4024: HURRICANE IRENE (Hurricane, 2011-09-03)
• EM-3329: HURRICANE IRENE (Hurricane, 2011-08-26)

FEMA assistance to homeowners

Since 2002: 3,078 owner registrations inspected by FEMA in Virginia Beach city after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4291, HURRICANE MATTHEW (declared 2016-11-02): 1,653 inspections
• DR-1491, HURRICANE ISABEL (declared 2003-09-18): 1,425 inspections

NFIP communities and flood maps

FEMA’s Community Status Book places 1 NFIP community in Virginia Beach city alone; 1 of them (100.0%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 6 (Virginia Beach, City of): FEMA applies that 20% discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Virginia Beach city dates from 2015-01-16 (Virginia Beach, City of).

Questions about flood insurance in Virginia Beach city

How much is flood insurance in Virginia Beach city?

NFIP policyholders in Virginia Beach city paid a median of $749 for residential policies effective 2025 (14,231 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $563 and $1,055; $931 inside the Special Flood Hazard Area against $670 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Virginia Beach city had?

1,531 NFIP building claims were paid (year of loss 2015-2024), with a median of $27,198; the year with the most was 2016 (1,328), and the named event with the most was Hurricane Matthew (1,251). These are amounts paid, not repair cost.

Is Virginia Beach city in a flood zone?

Of the residential NFIP policies of Virginia Beach city (policies effective 2025), 5,697 are rated inside the Special Flood Hazard Area and 8,534 outside it (zones listed: X, AE, A, VE), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Statewide figures: Virginia flood insurance data.

Named storms with paid claims in Virginia Beach city

• Hurricane Ian
• Hurricane Matthew
• Hurricane Florence
• Hurricane Eta
• Tropical Storm Ernesto

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 county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.

Source and notice

• Dominant event: Hurricane Matthew = 0.817 of paid claims 2015-2024.

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).