Virginia Home-Insurance Distress by County

Virginia reads below the national norm for home-insurance distress — 133 counties averaging 28/100, 26th of 52 states.

20 of Virginia's 133 counties score 70 or higher (severe).

Virginia's reading rests on a FEMA hazard average of 25/100 and NFIP flood-claim stress of 37/100.

Over three years Virginia counties filed 575 NFIP flood claims, $15,666,965 paid.

Highest in Virginia: Tazewell County 88/100 (#145 US), Pulaski County 88/100 (#151 US), Montgomery County 88/100 (#158 US), Buchanan County 87/100 (#171 US), Washington County 86/100 (#185 US).

Virginia counties by insurance band: 66 low (Virginia), 37 zero, 18 medium, 12 high; Virginia NFIP claims, three years: 575; Virginia payouts $15.7 million.

Virginia counties with the most NFIP claims: Virginia Beach 64 ($563,785); Tazewell 38 ($2.3 million); Smyth 32 ($724,049) in Virginia; Norfolk 28 ($198,816); Pulaski 25 ($1.9 million).

Virginia county average fell: 28.1 in March 2026; Virginia reads 27.4 in October 2026; Virginia by month: March 28.1, April 28.1, May 29.1 (Virginia), June 29.1, July 28.2, August 28.5 (Virginia), September 29.9, October 27.4.

Highest Virginia ZIPs, insurance distress: 98125 0 (climate 100), 77532 0 (climate 100) in Virginia, 90043 0 (climate 100), 92861 0 (climate 100) in Virginia, 91361 0 (climate 100), 91766 0 (climate 100) in Virginia.

Reading the Virginia bands: 12 of 133 Virginia counties sit in a high or worse insurance band; Virginia filed 575 NFIP claims in three years, $15.7 million paid to Virginia policyholders; a Virginia county's band moves when FEMA hazard revisions, new Virginia NFIP settlements or carrier filings change its monthly score.