Enter any address in Spotsylvania County, Virginia to see its FEMA flood zone
Flash flooding from heavy rainfall events is the most frequent type of flood recorded in Spotsylvania County over the last 30 years, with 29 flash flood events and 36 general flood events. Recent examples include localized rainfall of one to five inches on June 14, 2025, and two to locally six inches on July 18, 2025, which resulted in instances of flooding and flash flooding. Tropical Storm Isaias on August 4, 2020, also brought heavy rain, leading to numerous incidents of flooding and flash flooding.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone X have experienced the most claims, with an average payout of $3,623 and an average water depth of 6.1 feet. While Zone A properties had fewer claims, the average water depth was 2.1 feet. Homeowners in areas prone to heavy rainfall and flash flooding, particularly those in Zone X and Zone A, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
15 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Spotsylvania County, Virginia has recorded 68 flood-related events since 1996 according to NOAA's Storm Events Database, including 29 flash floods and 36 river or area floods. The county has received 19 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 |
| 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 |
| Earthquake | Earthquake | Aug 23, 2011 |
| Severe Winter Storms And Snowstorms | Snowstorm | Feb 5, 2010 |
| Severe Winter Storm And Snowstorm | Snowstorm | Dec 18, 2009 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 18, 2025 | 0.00K |
| Flash Flood | Jun 14, 2025 | 0.00K |
| Flood | Aug 5, 2022 | 0.00K |
| Flash Flood | Aug 24, 2020 | 0.00K |
| Flood | Aug 24, 2020 | 0.00K |
| Flood | Aug 13, 2020 | 0.00K |
| Flood | Nov 12, 2020 | 0.00K |
| Flood | Aug 6, 2020 | 0.00K |
| Flood | Aug 4, 2020 | 0.00K |
| Tropical Storm | Aug 4, 2020 | 10.00K |
Flash Flood — Jul 18, 2025
An anomalously moist tropical airmass resided over Virginia bringing numerous rounds of showers and thunderstorms. Thunderstorms trained over portions of central Virginia bringing rainfall amounts of two to locally six inches. This resulted in instances of flooding and flash flooding.
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.
Flood — Aug 5, 2022
Slow moving thunderstorms led to isolated instances of flooding.
Flash Flood — Aug 24, 2020
A few storms led to isolated instances of flooding.
Flood — Aug 24, 2020
A few storms led to isolated instances of flooding.
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 Spotsylvania 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 Spotsylvania 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.