16 flood insurance claims·$91,377 paid·6 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 King George 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.
Flooding driven by general floods and slow-moving summer thunderstorms dominates King George County. Over the last 30 years, NOAA recorded 18 flood events, 14 flash flood events, 4 tropical storms, 1 storm surge or tide event, and 1 coastal flood. Slow-moving thunderstorms caused flash flooding during events such as those on July 1, 2023, while upper-level low pressure systems brought repetitive rounds of storms dropping two to four inches of rain on May 5, 2025.
National Flood Insurance Program records indicate varied claim histories across different flood zones. Properties in Zone A recorded 7 claims with an average payout of $7,107 and an average recorded water depth of 1 inch. Zone X properties recorded 6 claims with an average payout of $9,182 and an average recorded water depth of 18 inches. Zone X Unshaded properties recorded 3 claims with an average payout of $21,256 and an average recorded water depth of 0 inches.
Homeowners and real estate agents representing properties in both designated special flood hazard areas like Zone A and moderate-to-low risk areas like Zone X should pay close attention to these risks, as claims and water depths occur across multiple zones.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 13 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 2020, with 6 claims and $2,764 paid.
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.
11 NOAA storm reports from King George County describe what happened, in the words of the forecasters who covered it. Read the Virginia flood stories →
27 federal disaster declarations since 1972, 6 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Severe Winter Storm And Snowstorm | Jan 2, 2022 |
| Hurricane Florence | Sep 13, 2018 |
| Severe Winter Storm And Snowstorm | Jan 22, 2016 |
| Hurricane Sandy | Oct 26, 2012 |
| The Remnants Of Tropical Storm Lee | Sep 8, 2011 |
| Hurricane Irene | Aug 26, 2011 |
| Earthquake | Aug 23, 2011 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
38 since 1996: 14 flash floods, 18 river or area floods and 2 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Flood | May 5, 2025 | — |
| Flash Flood | Jul 1, 2023 | — |
| Coastal Flood | Oct 29, 2021 | — |
| Flood | Aug 20, 2021 | — |
| Flood | Jun 11, 2021 | — |
| Flood | Jun 10, 2021 | — |
| Flood | Oct 29, 2020 | — |
| Flood | Aug 6, 2020 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · May 5, 2025. An area of upper level low pressure brought repetitive rounds of slow moving thunderstorms to parts of Virginia. The heaviest rain fell across Loudoun County, Virginia and King George County, VA where to two to four inches of rain were observed.
Flash Flood · Jul 1, 2023. Showers and thunderstorms developed around a surface trough on the afternoon and evening. Slow moving thunderstorms led to some instances of flash flooding across central Virginia.
Coastal Flood · Oct 29, 2021. A strong pressure gradient between low pressure over the Ohio Valley and strong high pressure over Quebec, CA resulted in a strong southeast onshore flow that brought the highest water levels to the Tidal Potomac River since Tropical Storm Isabel in September 2003.
Flood · Aug 20, 2021. A weak boundary tapped into plenty of moisture and instability for showers and thunderstorms. Weak winds aloft caused slow moving storms, which led to instance of flooding and flash flooding.
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 King George 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.