23 flood insurance claims·$276,616 paid·7 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Fluvanna County, Virginia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
In flood insurance claims here that reported a flood depth, the average was 4 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 1985, with 7 claims and $150,317 paid, the year of Severe Storms & Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
5 NOAA storm reports from Fluvanna County describe what happened, in the words of the forecasters who covered it. Read the Virginia flood stories →
23 federal disaster declarations since 1969, 7 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Severe Winter Storm And Snowstorm | Jan 2, 2022 |
| Tropical Storm Michael | Oct 9, 2018 |
| Hurricane Florence | Sep 13, 2018 |
| Hurricane Sandy | Oct 26, 2012 |
| Severe Storms And Straight-line Winds | Jun 29, 2012 |
| Earthquake | Aug 23, 2011 |
| Severe Winter Storms And Snowstorms | Feb 5, 2010 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
12 since 1996: 5 flash floods and 6 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | May 13, 2025 | — |
| Flash Flood | Jul 9, 2025 | — |
| Flood | Nov 12, 2020 | — |
| Flood | May 18, 2018 | — |
| Flash Flood | Sep 17, 2018 | — |
| Flood | Oct 11, 2018 | — |
| Flash Flood | Oct 11, 2018 | — |
| Flood | Jun 25, 2015 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · May 13, 2025. An area of low pressure formed across a warm front along the Virginia/North Carolina border on May 13. Scattered storms formed across the Piedmont during the late afternoon and evening in a moist air mass. These storms produced locally heavy rainfall and localized flash flooding.
Flash Flood · Jul 9, 2025. A short wave trough aloft approached the Mid-Atlantic from the west on July 9. Strong thunderstorms formed during the afternoon and evening with gusty winds and heavy rainfall.
Flood · Nov 12, 2020. Deep tropical moisture streaming northward into the Mid Atlantic region combined with the approach of a cold front and low pressure, produced heavy rain which caused flooding across portions of central and southeast Virginia.
Flood · May 18, 2018. Showers and thunderstorms associated with areas of low pressure along a frontal boundary produced heavy rain which caused lingering flooding across portions of central, south central, and eastern Virginia.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Fluvanna County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.