Virginia Flood Zones
Virginia faces coastal flooding along the Chesapeake Bay and Atlantic coast, riverine flooding from the James, Potomac, and Shenandoah rivers, and flash flooding in the Blue Ridge and Appalachian mountain valleys. Hampton Roads is one of the most sea level rise-vulnerable regions in the nation.
1 of 133 Virginia counties are rated high or very high for inland flood risk by FEMA's National Risk Index. 19 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 25%.
FEMA Region
Region 3
Also covers Delaware, District of Columbia, Maryland, +2 more
NFIP Policies
95,000
Virginia Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 133 Virginia counties.
Inland Flood Risk
1 of 133 counties rated high or very high
Coastal Flood Risk
2 of 46 coastal counties rated high or very high
Hurricane Risk
1 of 133 counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Federal Flood Disaster History
Virginia has received 32 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
2020s
1
2010s
8
2000s
2
1990s
7
1980s
3
1970s
7
1960s
3
1950s
1
Recent Declarations
Showing 8 most recent of 32 total declarations.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims
Virginia properties have filed 50,558 NFIP flood insurance claims totaling $748.5M in payouts since 1978. The average claim payout is $15K.
Claims by Decade
2020s
1,649
2010s
10,896
2000s
23,465
1990s
8,632
1980s
4,398
1970s
1,518
Highest-Claim Years
Claims by Flood Zone
Zone AE
22,261
Zone A
15,306
Zone X
10,467
Zone VE
520
Zone V
260
Zone AO
27
Zone D
21
Zone AOB
14
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Flood Insurance Discounts in Virginia
19 Virginia communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Virginia range from 5 to 9, with discounts from 5% to 25%.
Class 5 - 25% discount
Class 6 - 20% discount
Roanoke
Class 6 - 20% discount
Class 6 - 20% discount
Class 7 - 15% discount
Falls Church
Class 7 - 15% discount
Poquoson
Class 7 - 15% discount
Class 7 - 15% discount
Portsmouth
Class 7 - 15% discount
Class 7 - 15% discount
Chincoteague
Class 8 - 10% discount
Wachapreague
Class 8 - 10% discount
+7 more Virginia communities participate in CRS.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Look Up Any Virginia Address
Enter a VA address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Free Flood Zone LookupVirginia Cities
Explore flood zone information for major cities in Virginia.
Virginia Flood Zone FAQ
How do I check if my Virginia property is in a flood zone?
Enter your VA address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Virginia?
If your Virginia property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not subject to the federal mandate but lenders may still require coverage, and it is often recommended given Virginia's flood history.
What are the most common flood zones in Virginia?
The most common FEMA flood zone designations in Virginia are Zone AE, Zone VE, Zone A, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Virginia property from a flood zone?
Yes, if your Virginia property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. If your property was raised above the BFE with fill, the process is a LOMR-F. Note that for coastal properties in VE zones, LOMAs are less common because wave action creates risks beyond still-water elevation. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Virginia communities offer flood insurance discounts?
Yes, 19 Virginia communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 25% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Virginia.