36 flood insurance claims·$322,294 paid·4 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 Prince 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.
Flash flooding from summer thunderstorms dominates the flood risk profile in Prince George County, Virginia. Over the last 30 years, NOAA records document 41 flash flood events, alongside 8 standard floods, 2 coastal floods, 1 tropical storm, and 1 hurricane event resulting in 1 fatality. A notable multi-round flash flooding event occurred on July 15, 2025, driven by a moist and unstable air mass that produced slow-moving storms and widespread rainfall totals of 2 to 4 inches across the region.
National Flood Insurance Program claims data demonstrate that flood risks extend across multiple zones. Properties located in Zone A have recorded 17 claims with an average payout of $18,116 and an average recorded water depth of 7 inches. Meanwhile, properties in Zone X have experienced 15 claims averaging a $12,666 payout with an average recorded water depth of 0 inches, and Zone V has logged 1 claim averaging a $3,576 payout with an average recorded water depth of 0 inches. Zone X unshaded properties account for 3 claims with an average payout of $0 and an average recorded water depth of 0 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties situated within Zone A, which experience the highest average payouts and recorded water depths, while also noting that properties in Zone X and Zone V remain vulnerable to historical claims and varied impacts.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
14% of Prince George County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
21 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 7 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 2003, with 12 claims and $80,696 paid, the year of Hurricane Isabel.
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.
20 NOAA storm reports from Prince George County describe what happened, in the words of the forecasters who covered it. Read the Virginia flood stories →
19 federal disaster declarations since 1977, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Severe Winter Storms | Feb 11, 2021 |
| Hurricane Florence | Sep 13, 2018 |
| Hurricane Sandy | Oct 26, 2012 |
| Hurricane Irene | Aug 26, 2011 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms, Flooding And Tornadoes Associated W Td Gaston | Aug 30, 2004 |
| Hurricane Isabel | Sep 18, 2003 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
53 since 1996: 41 flash floods, 8 river or area floods and 2 coastal floods or surges.
| Event | Date | Damage |
|---|---|---|
| Coastal Flood | Oct 28, 2025 | — |
| Flash Flood | Jul 19, 2025 | — |
| Flash Flood | Mar 17, 2025 | — |
| Flash Flood | Mar 16, 2025 | — |
| Flood | Jul 15, 2025 | — |
| Flash Flood | Jul 15, 2025 | — |
| Flash Flood | May 14, 2025 | — |
| Flash Flood | Jul 14, 2025 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Coastal Flood · Oct 28, 2025. Low pressure off the Mid-Atlantic coast combined with high pressure in Canada, resulting in a lengthy period of northeasterly onshore flow. Increasing tidal anomalies resulted in moderate to locally major tidal flooding over an extended period.
Flash Flood · Jul 19, 2025. A stationary front was anchored north of the area in Pennsylvania. Deep moisture was in place to the south of the front with precipitable water values near two inches. Strong surface heating resulted in robust instability with wind shear around 25 knots, allowing for deep, slow moving, convection capable of heavy rainfall and flash flooding during the afternoon and evening hours.
Flash Flood · Mar 17, 2025. Scattered showers and thunderstorms developed ahead of a slow-moving cold front on March 16 across southeast Virginia. These showers and storms trained over the same areas into early on March 17, allowing for heavy rain and instances of flash flooding across portions of southeast Virginia on March 16 and 17.
Flash Flood · Mar 16, 2025. Scattered showers and thunderstorms developed ahead of a slow-moving cold front on March 16 across southeast Virginia. These showers and storms trained over the same areas into early on March 17, allowing for heavy rain and instances of flash flooding across portions of southeast Virginia on March 16 and 17.
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 Prince 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.