Flood history · Kilmarnock, VA 22482
Flood insurance claims in Kilmarnock, VA 22482
84 claims since 1998 and $925,815 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 22482 since 1978.
What the record says
76% of claims were on properties in high-risk zones and 24% outside them.
One event dominates the record: Hurricane Isabel accounts for 40% of all claims in this ZIP code.
4 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Isabel | 2003 | 34 | 40% |
| Tropical Storm Ernesto | 2006 | 29 | 35% |
| Hurricane Irene | 2011 | 2 | 2% |
| November 2009 Nor'easter | 2009 | 2 | 2% |
| October severe storms | 2015 | 2 | 2% |
| Hurricane Sandy | 2012 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Lancaster County
Flood, hurricane and storm declarations since 2000.
11 flood, storm or hurricane declarations for Lancaster County since 2000.
Check a specific address in Kilmarnock.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.