Enter any address in Caroline County, Virginia to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Caroline County. Over the past 30 years, NOAA Storm Events data shows 15 flash flood events, alongside 9 general flood events and 2 tropical storms. Recent examples include flash flooding in early May 2024 due to a moist airmass and widespread storms, and nuisance flash flooding in July 2025 from training thunderstorms with high rain rates.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced an average of 3 claims with payouts around $6,673 and an average water depth of 5.3 feet. Properties in Zone X have had 2 claims with average payouts of $5,338 and an average water depth of 49.5 feet. Homeowners in areas designated as Zone A, or those located near waterways that could be susceptible to flash flooding, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
7 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Caroline County, Virginia has recorded 26 flood-related events since 1996 according to NOAA's Storm Events Database, including 15 flash floods and 9 river or area floods. The county has received 24 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1969–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 2, 2022 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Florence | Hurricane | Sep 13, 2018 |
| Severe Winter Storm And Snowstorm | Snowstorm | Jan 22, 2016 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
| The Remnants Of Tropical Storm Lee | Severe Storm | Sep 8, 2011 |
| Hurricane Irene | Hurricane | Aug 26, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 15, 2025 | 0.00K |
| Flash Flood | Jun 14, 2025 | 0.00K |
| Flash Flood | Jul 1, 2025 | 0.00K |
| Flash Flood | May 26, 2024 | 0.00K |
| Flash Flood | Aug 17, 2024 | 0.00K |
| Flash Flood | May 6, 2024 | 0.00K |
| Flash Flood | Jul 16, 2023 | 0.00K |
| Flood | Aug 7, 2021 | 0.00K |
| Flash Flood | Aug 13, 2020 | 0.00K |
| Flood | Nov 12, 2020 | 0.00K |
Flash Flood — Jun 15, 2025
A stationary front was located across central Virginia to northeast North Carolina on June 15. This front slowly moved southwest through the afternoon. Widespread storms developed during the afternoon and continued into the evening on June 15. These storms produced locally heavy rain and flash flooding across portions of central and southeast Virginia. Additionally, an isolated storm produced f...
Flash Flood — Jun 14, 2025
Scattered storms developed across central and southeast Virginia during the afternoon and evening of June 15. These storms were slow-moving and produced locally heavy rain and flooding.
Flash Flood — Jul 1, 2025
An upper-level trough and cold front progressed from the Great Lakes region into the Mid-Atlantic on July 1. Numerous thunderstorms moved into central Virginia in the afternoon and evening hours. With training storms and very high rain rates, heavy rain led to nuisance flash flooding in some areas.
Flash Flood — May 26, 2024
Scattered thunderstorms associated with low pressure and a surface trough produced heavy rain which caused flash flooding across portions of central and eastern Virginia.
Flash Flood — Aug 17, 2024
An MCS developed across central Virginia on August 17, producing heavy rain and flash flooding as it slowly moved east.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Caroline County, Virginia:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Caroline County, Virginia that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.