Flood history · Lottsburg, VA 22511
Flood insurance claims in Lottsburg, VA 22511
194 claims since 1982 and $4.2 million 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 22511 since 1978.
What the record says
82% of claims were on properties in high-risk zones and 18% outside them.
Losses are spread across many events; the largest, Tropical Storm Ernesto, accounts for 37% of claims.
10 claims were filed in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Tropical Storm Ernesto | 2006 | 72 | 37% |
| Hurricane Isabel | 2003 | 51 | 26% |
| Hurricane Irene | 2011 | 9 | 5% |
| October severe storms | 2015 | 8 | 4% |
| Unnamed flooding | 1998 | 7 | 4% |
| November 2009 Nor'easter | 2009 | 6 | 3% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Northumberland County
Flood, hurricane and storm declarations since 2000.
11 flood, storm or hurricane declarations for Northumberland County since 2000.
Check a specific address in Lottsburg.
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.