Flood history · Williamsburg, VA 23185
Flood insurance claims in Williamsburg, VA 23185
207 claims since 1978 and $3.0 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 23185 since 1978.
What the record says
75% of claims were on properties in high-risk zones and 25% outside them.
Losses are spread across many events; the largest, Hurricane Isabel, accounts for 35% of claims.
3 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.
James City County * takes part in FEMA's Community Rating System (class 5), which can lower flood insurance premiums by up to 25% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Isabel | 2003 | 73 | 35% |
| Hurricane Floyd | 1999 | 62 | 30% |
| November 2009 Nor'easter | 2009 | 9 | 4% |
| Tropical Storm Ernesto | 2006 | 5 | 2% |
| Hurricane Irene | 2011 | 5 | 2% |
| Hurricane Fran | 1996 | 2 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in James City County
Flood, hurricane and storm declarations since 2000.
9 flood, storm or hurricane declarations for James City County since 2000.
Check a specific address in Williamsburg.
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.