Flood insurance cost in Virginia
In Virginia, the lowest private flood insurance quote ran $828 a year and the typical private quote ran $2,841. The NFIP quote ran $2,429.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 62% below the NFIP quote, and private was the cheaper option for 89% of those 80 properties. The typical private quote came in 17% above NFIP.
Median annual premiums from 1,359 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $456 | $1,062 | $1,011 | 377 |
| Zone A, AE, AH and AO (high risk) | $911 | $3,217 | $2,779 | 982 |
| Residential properties | $828 | $2,646 | $2,395 | 1,337 |
How quotes have moved since 2020
- Lowest private quote$814 in 2026
- Typical private quote$2,855 in 2026
- NFIP quote$2,508 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $869 | $1,116 | $2,595 | 424 |
| 2021 | $893 | $1,817 | $2,251 | 691 |
| 2022 | $786 | $1,243 | n/a | 227 |
| 2023 | $927 | $1,814 | n/a | 163 |
| 2024 | $803 | $1,943 | $2,084 | 533 |
| 2025 | $753 | $2,377 | $2,533 | 627 |
| 2026* | $814 | $2,855 | $2,508 | 628 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Virginia?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Virginia was $2,841 a year and the lowest private quote a property received was $828. NFIP quotes ran $2,429. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Virginia?
- Where a property was quoted both ways, the lowest private quote came in a median 62% below the NFIP quote, and private was the cheaper option for 89% of those 80 properties. The typical private quote came in 17% above NFIP.
- How much does the flood zone change the price in Virginia?
- Properties in high-risk A zones were quoted a typical $3,217 a year for private flood insurance, against $1,062 in moderate to low risk X zones. The lowest quotes ran $911 and $456.
- Where do these numbers come from?
- From 1,359 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Virginia
- Flood insurance in Virginia: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.