Enter any address in Loudoun County, Virginia to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Loudoun County. Over the past 30 years, NOAA Storm Events data recorded 109 flood events and 72 flash flood events. Recent examples include localized rainfall of one to five inches in June 2025, and two to four inches in May 2025, leading to flash flooding. In December 2023, widespread rainfall caused numerous creeks, streams, and rivers to reach minor to moderate flood stages, resulting in road closures.
NFIP claims data shows that properties in Zone A experienced an average water depth of 6.0 feet with an average payout of $19,540. Properties in Zone X, while having a lower average payout of $4,382, recorded a higher average water depth of 10.8 feet. Homeowners in Zone A and Zone X, as well as those in Zone X_SHADED which had the highest average payout at $25,720, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
50 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Loudoun County, Virginia has recorded 181 flood-related events since 1996 according to NOAA's Storm Events Database, including 72 flash floods and 109 river or area floods. The county has received 16 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1972–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| 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 |
| Severe Winter Storms And Snowstorms | Snowstorm | Feb 5, 2010 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Hurricane Isabel | Hurricane | Sep 18, 2003 |
| Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, And Mudslide | Severe Storm | Feb 15, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 14, 2025 | 0.00K |
| Flash Flood | May 5, 2025 | 0.00K |
| Flood | Dec 18, 2023 | 0.00K |
| Flash Flood | Sep 8, 2023 | 0.00K |
| Flood | Sep 8, 2023 | 0.00K |
| Flood | Dec 23, 2022 | 0.00K |
| Flood | Dec 22, 2022 | 0.00K |
| Flood | May 7, 2022 | 0.00K |
| Flood | Sep 23, 2021 | 0.00K |
| Flood | Aug 16, 2021 | 0.00K |
Flash Flood — Jun 14, 2025
A weak area of low pressure interacted with an anomalously moist airmass and stalled frontal boundary. This spawned showers and thunderstorms that resulted in localized amounts of one to five inches of rain. The higher amounts were where storms trained or stalled.
Flash 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.
Flood — Dec 18, 2023
An area of low pressure moved along the Atlantic seaboard bringing widespread rainfall amounts of 1.5 to 4 inches. This resulted in numerous creeks, streams, and rivers reaching minor to moderate flood stage. Numerous roads were closed in areas as well.
Flash Flood — Sep 8, 2023
A nearly stalled boundary combined with plenty of moisture led to the development of showers and thunderstorms. Some storms trained over the same areas, resulting in areas of flooding and flash flooding in northern Virginia.
Flood — Sep 8, 2023
A nearly stalled boundary combined with plenty of moisture led to the development of showers and thunderstorms. Some storms trained over the same areas, resulting in areas of flooding and flash flooding in northern Virginia.
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 Loudoun 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 Loudoun 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.