Cape Charles, VA Flood Zone Lookup
Last updated: March 2026
Cape Charles faces coastal flooding from the Chesapeake Bay in Northampton County. Storm surge and tidal flooding threaten the low-lying town at the southern tip of the Delmarva Peninsula.
Northampton County has recorded 98 NFIP flood insurance claims since 1978, totaling $1.1M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 3
NFIP Policies
408
Northampton County
Avg. Premium
$767/yr
Northampton County
FEMA Flood Risk Profile: Northampton County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Very LowEst. annual loss: $1.1M
Coastal Flood Risk
Relatively LowEst. annual loss: $245K
Hurricane Risk
Relatively ModerateEst. annual loss: $4.7M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Northampton County
Northampton County has been included in 12 federal flood-related disaster declarations.
...and 4 earlier declarations since 1972.
These declarations affected communities across Northampton County, including Cape Charles.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Northampton County
Properties in Northampton County have filed 98 NFIP flood insurance claims totaling $1.1M in payouts since 1978. The average claim payout is $11K.
Highest-Claim Years
2003
24 claims - $423K
2009
12 claims - $127K
2012
12 claims - $211K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Northampton County
Only roughly 1 in 12 households in Northampton County carries NFIP flood insurance (8% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
8%
roughly 1 in 12 households
Historical Claims Ratio
1 in 4
98 claims over 45+ years across 408 current policies
Avg. Claim Payout
$11,235
Per claim, county-wide since 1978
Historically, Northampton County has averaged 1 claim for every 4 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Cape Charles.
What Your Flood Zone Means in Cape Charles
Cape Charles is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Cape Charles are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $1.1M. Properties in Cape Charles's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Cape Charles are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Cape Charles address.
Repetitive Loss Properties: Northampton County
Northampton County has 10 properties with multiple flood insurance losses, including 1 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
10
2+ claims within 10 years
Severe Repetitive Loss
1
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Northampton County
NOAA has recorded 15 flood events in Northampton County since 1996, causing $500K in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Northampton County
FEMA has funded mitigation for 29 properties in Northampton County, investing $105K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Cape Charles
Cape Charles participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Cape Charles's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Cape Charles, VA Flood Zone FAQ
What flood zones are in Cape Charles, VA?
The most common FEMA flood zones in Cape Charles are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Cape Charles?
If your Cape Charles property is in a Special Flood Hazard Area (SFHA) 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 federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Cape Charles?
Enter your Cape Charles address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Cape Charles offer flood insurance discounts?
Yes. Cape Charles participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Cape Charles experienced major flooding events?
Northampton County, where Cape Charles is located, has been part of 12 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Tropical Storm Michael in 2018. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Cape Charles?
Northampton County has recorded 98 NFIP flood insurance claims totaling $1.1M in payouts since 1978. The year with the most claims was 2003, with 24 claims and $423K in payouts. These figures cover all NFIP claims in the county, including Cape Charles.
How many flood insurance policies are active in Cape Charles?
Northampton County currently has 408 active NFIP flood insurance policies with an average annual premium of $767. The most policies are in Zone X (323 policies). These figures cover all active NFIP policies in the county.
How many Cape Charles properties have flooded repeatedly?
Northampton County has 10 properties with multiple flood losses on record, including 1 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Cape Charles property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Cape Charles?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Cape Charles's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Virginia Cities
Understanding Flood Zones
Look Up Any Cape Charles, VA Address
Enter a Cape Charles, VA address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.