Flood history / Virginia / ZIP 23440
ZIP 23440
Accomack County, VA
Property owners in ZIP 23440 have been paid $1.3M on 109 National Flood Insurance Program claims between 1984 and 2023 — an average of $12K a claim, across 17 separate years in which someone here filed and was paid.
The heaviest year
2003 is the heaviest year on file: 29 paid claims, 26.6% of the ZIP's total. That one year accounts for more than a quarter of the ZIP's entire record. The largest named event in the record is Hurricane Isabel, with 28 claims.
11 of those claims — 10.1% — were filed since 2017. The bulk of this ZIP's record is older than that.
| Named event | Paid claims | Share of record |
|---|---|---|
| Hurricane Isabel | 28 | 25.7% |
| Tropical Storm Ernesto | 24 | 22.0% |
| Hurricane Floyd | 17 | 15.6% |
Where the claims sat on the map
Of the 105 claims here that record a rated flood zone, 12 — 11.4% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Chesapeake Bay at Port Isobel/Tangier Island (IN MLLW) (0.9 mi), Chesapeake Bay above Little Annemessex River at Crisfield MD (MLLW) (12.6 mi) and South Branch Onancock Creek at Onancock (15.1 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 23440 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.