Flood history / US Virgin Islands
US Virgin Islands
flood claim history.
Across the 3 US Virgin Islands ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $59.0M on 2,485 claims between 1978 and 2025. ZIP 00820 carries the most at 1,274, 51.3% of the state total shown here.
The events driving the most paid claims across these ZIPs are Hurricane Marilyn (522 claims), Hurricane Maria (123 claims) and Hurricane Hugo (123 claims).
47.4% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every US Virgin Islands ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 00820 | — | 1,274 | $23.9M | 1995 287 |
| 00802 | — | 943 | $25.3M | 1995 254 |
| 00840 | — | 268 | $9.8M | 2017 45 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.