Data · July 2026 data · 15-month trend
Virginia Flood Insurance Costs
Virginia's flood insurance cost index stood at $765 in July 2026, measured across policies newly written or renewed that month. The state pays less than the country as a whole — 22.4% under the $986 national average. That represents a 6.9% increase year over year. In all, 9,500 policies were written or renewed across 119 counties that month, and Martinsville city topped the county table at $10,335.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $765
- Avg total cost (with fees)
- $1,012
- Change (year over year)
- +6.9%
- vs national average
- -22.4%
- Policies written or renewed
- 9,500
- Counties reporting
- 119
Virginia trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $713 | $955 | 7,300 | |
| June 2025 | $691 | $926 | 8,511 | |
| July 2025 | $716 | $954 | 9,975 | |
| August 2025 | $718 | $960 | 9,893 | |
| September 2025 | $698 | $936 | 9,815 | |
| October 2025 | $685 | $920 | 9,604 | |
| November 2025 | $699 | $937 | 7,611 | |
| December 2025 | $747 | $999 | 5,637 | |
| January 2026 | $746 | $991 | 5,127 | |
| February 2026 | $764 | $1,016 | 5,140 | |
| March 2026 | $722 | $958 | 6,859 | |
| April 2026 | $825 | $1,090 | 6,025 | |
| May 2026 | $768 | $1,021 | 7,037 | |
| June 2026 | $734 | $976 | 8,270 | |
| July 2026 | $765 | $1,012 | 9,500 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Martinsville city | $10,335 | $12,492 | 1 | |
| Pulaski County | $5,286 | $6,535 | 6 | |
| Danville city | $4,550 | $5,576 | 10 | |
| Henry County | $3,971 | $4,907 | 12 | |
| Warren County | $3,750 | $4,591 | 19 | |
| Lee County | $3,733 | $4,567 | 5 | |
| Salem city | $3,542 | $4,352 | 20 | |
| Franklin city | $3,380 | $4,221 | 7 | |
| Tazewell County | $3,151 | $3,908 | 19 | |
| Amherst County | $3,091 | $3,794 | 3 | |
| Harrisonburg city | $2,893 | $3,561 | 9 | |
| Halifax County | $2,774 | $3,570 | 1 | |
| Amelia County | $2,755 | $3,548 | 1 | |
| Shenandoah County | $2,731 | $3,340 | 10 | |
| Fredericksburg city | $2,363 | $2,989 | 7 | |
| Roanoke city | $2,208 | $2,814 | 46 | |
| Rockbridge County | $2,014 | $2,533 | 8 | |
| Staunton city | $1,998 | $2,529 | 9 | |
| Appomattox County | $1,885 | $2,521 | 2 | |
| Page County | $1,870 | $2,391 | 10 | |
| King and Queen County | $1,864 | $2,271 | 4 | |
| Waynesboro city | $1,831 | $2,300 | 10 | |
| Rockingham County | $1,814 | $2,322 | 29 | |
| Lynchburg city | $1,771 | $2,237 | 3 | |
| Bath County | $1,755 | $2,218 | 3 | |
| Albemarle County | $1,739 | $2,188 | 14 | |
| King William County | $1,679 | $2,053 | 6 | |
| Roanoke County | $1,634 | $2,061 | 46 | |
| Rappahannock County | $1,597 | $2,068 | 2 | |
| Charlottesville city | $1,557 | $2,000 | 10 | |
| Alleghany County | $1,483 | $1,947 | 9 | |
| Emporia city | $1,459 | $1,963 | 4 | |
| Washington County | $1,451 | $1,897 | 18 | |
| Russell County | $1,414 | $1,853 | 4 | |
| Fauquier County | $1,410 | $1,781 | 25 | |
| Sussex County | $1,404 | $1,785 | 4 | |
| Bland County | $1,391 | $1,758 | 5 | |
| Covington city | $1,383 | $1,779 | 3 | |
| Craig County | $1,335 | $1,788 | 8 | |
| Montgomery County | $1,326 | $1,787 | 12 | |
| Giles County | $1,317 | $1,671 | 5 | |
| Cumberland County | $1,306 | $1,613 | 1 | |
| Surry County | $1,279 | $1,694 | 4 | |
| Colonial Heights city | $1,277 | $1,607 | 8 | |
| Essex County | $1,267 | $1,674 | 34 | |
| Buchanan County | $1,259 | $1,639 | 11 | |
| York County | $1,253 | $1,576 | 349 | |
| Bedford County | $1,247 | $1,568 | 9 | |
| Winchester city | $1,236 | $1,630 | 9 | |
| King George County | $1,235 | $1,529 | 4 | |
| Franklin County | $1,196 | $1,580 | 7 | |
| Buena Vista city | $1,191 | $1,590 | 2 | |
| Botetourt County | $1,188 | $1,587 | 14 | |
| Richmond County | $1,159 | $1,582 | 11 | |
| Mathews County | $1,158 | $1,512 | 122 | |
| Poquoson city | $1,146 | $1,453 | 298 | |
| Lancaster County | $1,143 | $1,525 | 63 | |
| Northumberland County | $1,132 | $1,514 | 57 | |
| Prince Edward County | $1,125 | $1,512 | 4 | |
| Middlesex County | $1,121 | $1,526 | 36 | |
| Scott County | $1,112 | $1,384 | 9 | |
| Nelson County | $1,110 | $1,494 | 6 | |
| Spotsylvania County | $1,085 | $1,378 | 35 | |
| Highland County | $1,082 | $1,461 | 2 | |
| Norton city | $1,079 | $1,570 | 1 | |
| Wythe County | $1,066 | $1,420 | 10 | |
| Richmond city | $1,041 | $1,360 | 49 | |
| Floyd County | $1,008 | $1,261 | 1 | |
| Fairfax city | $1,006 | $1,270 | 21 | |
| Chesterfield County | $991 | $1,261 | 93 | |
| Southampton County | $982 | $1,259 | 16 | |
| Accomack County | $976 | $1,324 | 263 | |
| Greene County | $959 | $1,248 | 5 | |
| Gloucester County | $954 | $1,238 | 166 | |
| Augusta County | $921 | $1,202 | 21 | |
| Prince William County | $913 | $1,176 | 118 | |
| Westmoreland County | $911 | $1,210 | 54 | |
| Caroline County | $908 | $1,176 | 7 | |
| Wise County | $907 | $1,171 | 16 | |
| Campbell County | $895 | $1,128 | 4 | |
| Hopewell city | $883 | $1,114 | 1 | |
| Petersburg city | $859 | $1,161 | 9 | |
| Goochland County | $857 | $1,195 | 2 | |
| Lexington city | $807 | $1,249 | 1 | |
| Loudoun County | $783 | $1,017 | 52 | |
| Orange County | $772 | $1,035 | 13 | |
| Northampton County | $756 | $1,087 | 42 | |
| Falls Church city | $755 | $981 | 25 | |
| Stafford County | $741 | $955 | 53 | |
| Grayson County | $737 | $942 | 1 | |
| Arlington County | $736 | $961 | 63 | |
| New Kent County | $733 | $970 | 7 | |
| Smyth County | $718 | $989 | 13 | |
| Hampton city | $687 | $912 | 989 | |
| Culpeper County | $673 | $866 | 6 | |
| Manassas city | $662 | $878 | 9 | |
| Hanover County | $637 | $847 | 19 | |
| Alexandria city | $625 | $814 | 233 | |
| Frederick County | $621 | $827 | 10 | |
| Pittsylvania County | $618 | $801 | 1 | |
| Chesapeake city | $612 | $823 | 769 | |
| Clarke County | $610 | $792 | 5 | |
| James City County | $606 | $816 | 94 | |
| Fairfax County | $588 | $791 | 368 | |
| Norfolk city | $571 | $779 | 1,194 | |
| Buckingham County | $562 | $735 | 1 | |
| Portsmouth city | $553 | $764 | 361 | |
| Isle of Wight County | $552 | $740 | 42 | |
| Virginia Beach city — June 2026 profile | $539 | $733 | 2,296 | |
| Mecklenburg County | $527 | $694 | 1 | |
| Henrico County | $513 | $707 | 147 | |
| Suffolk city | $494 | $674 | 92 | |
| Newport News city | $489 | $687 | 189 | |
| Williamsburg city | $486 | $646 | 5 | |
| Fluvanna County | $461 | $617 | 5 | |
| Prince George County | $411 | $557 | 8 | |
| Powhatan County | $373 | $513 | 3 | |
| Bristol city | $315 | $444 | 1 | |
| Charles City County | $258 | $601 | 1 |
Use this data
Download Virginia CSV (virginia.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Virginia Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/virginia
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.