Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$785
As of 2026-08-31. A portfolio average, not a quote for a home.
Policies in force, including condo units
88,550
Cumulative recorded losses
50,609
Net dollars paid
$771,071,678
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
These are insured policy units grouped by their rated zones, not a percentage of the state’s land or homes.
NFIP rated zone groups, 2026-08-31
Rated group
Policy units
Share of insured units
All A zones combined
50,535
57.1%
All V zones combined
1,367
1.5%
Unknown or invalid rated zone
83
0.1%
X, B and C zones combined
36,564
41.3%
Zone D
1
0.0%
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
Virginia claims history
Year of loss
Net payments
1978
$3,516,902
1979
$2,169,761
1980
$529,001
1981
$316,792
1982
$1,345,661
1983
$168,737
1984
$1,943,275
1985
$39,051,534
1986
$131,049
1987
$4,431,594
1988
$795,589
1989
$1,939,832
1990
$603,302
1991
$572,476
1992
$9,383,913
1993
$728,676
1994
$1,465,360
1995
$4,643,193
1996
$33,033,087
1997
$427,653
1998
$9,185,679
1999
$18,807,950
2000
$1,432,756
2001
$2,270,029
2002
$3,142,564
2003
$236,013,413
2004
$18,661,958
2005
$1,097,684
2006
$44,467,928
2007
$296,688
2008
$2,457,879
2009
$105,870,396
2010
$2,549,088
2011
$42,041,812
2012
$24,600,971
2013
$3,563,859
2014
$6,873,427
2015
$5,106,302
2016
$77,581,051
2017
$1,592,594
2018
$17,467,809
2019
$8,593,563
2020
$9,617,603
2021
$2,193,344
2022
$1,823,275
2023
$938,478
2024
$8,100,947
2025
$7,376,732
2026
$189,287
Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.
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