Enter any address in Westmoreland County, Virginia to see its FEMA flood zone
Flash flooding from heavy rainfall events is the most frequent type of flood recorded in Westmoreland County over the past 30 years, with 30 such events noted. Coastal flooding also occurs, with 11 events recorded in the same period. For example, coastal flooding occurred on October 12-13, 2025, due to strong northeast winds, and again on October 1-3, 2025, influenced by distant hurricanes. Flash flooding events in July 2025 were attributed to slow-moving thunderstorms producing very heavy rainfall.
National Flood Insurance Program (NFIP) data shows that Zone A areas have experienced the most claims, with 114 claims averaging $39,845 and a water depth of 2.6 feet. Zone X areas have had 66 claims, averaging $14,199 with a higher average water depth of 4.8 feet. Residents in coastal areas, as well as those in Zone A and Zone X, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
9 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Westmoreland County, Virginia has recorded 50 flood-related events since 1996 according to NOAA's Storm Events Database, including 30 flash floods and 5 river or area floods. The county has received 25 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 (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 |
| Tropical Storm Michael | Hurricane | Oct 9, 2018 |
| Hurricane Florence | Hurricane | Sep 13, 2018 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
| The Remnants Of Tropical Storm Lee | Severe Storm | Sep 8, 2011 |
| Hurricane Irene | Hurricane | Aug 26, 2011 |
| Tropical Depression Ernesto, Severe Storms And Flooding | Severe Storm | Aug 29, 2006 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Coastal Flood | Oct 29, 2025 | 0.00K |
| Coastal Flood | Aug 22, 2025 | 0.00K |
| Coastal Flood | May 21, 2025 | 0.00K |
| Flash Flood | Jul 14, 2025 | 0.00K |
| Flash Flood | Jul 13, 2025 | 0.00K |
| Coastal Flood | Oct 12, 2025 | — |
| Coastal Flood | Oct 1, 2025 | 0.00K |
| Flash Flood | May 24, 2024 | 0.00K |
| Coastal Flood | Nov 15, 2024 | 0.00K |
| Flash Flood | Jul 16, 2023 | 0.00K |
Coastal Flood — Oct 29, 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.
Coastal Flood — Aug 22, 2025
Hurricane Erin passed well offshore and combined with high pressure to the north, resulting in a period of strong onshore winds and coastal flooding across eastern Virginia and the Virginia Eastern Shore.
Coastal Flood — May 21, 2025
An area of low pressure occluded over the Ohio Valley on May 21 into May 22. This allowed for a period of elevated onshore flow which led to moderate coastal flooding across portions of eastern Virginia along both sides of the Chesapeake Bay on May 21 and 22.
Flash Flood — Jul 14, 2025
A weak frontal boundary sagged south toward the area during the afternoon/evening. Scattered to numerous thunderstorms initially developed to the north (near that boundary) and also to the west along higher terrain. The environment ahead of the boundary was characterized by very weak deep-layer flow and anomalously high PW values on the order of 2.1-2.2, leading to slow-moving storms with very ...
Flash Flood — Jul 13, 2025
A moist and unstable air mass resulted in scattered storms developing across portions of central and eastern Virginia on July 13. These slow-moving storms produced heavy rainfall and flash flooding, especially across the Tri-Cities.
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 Westmoreland 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 Westmoreland 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.