Is Gloucester County, VA in a flood zone?
FEMA's National Risk Index puts Gloucester County's flood hazard at the 66.6th percentile nationally — a middling flood hazard by national standards — driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.7 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Gloucester County
Out of 1,665 homes FEMA counts inside Gloucester County's mapped flood zone, 1,023 carry the flood policy federal law requires there — 61.4% compliance, short of full coverage. Across all residential structures in Gloucester County, not just the ones FEMA mandates, 8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Gloucester County compares nationally
Gloucester County sits at rank 1097 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1187 of 3144 by population (1 is biggest). Gloucester County, Virginia is home to about 40,154 people across 217.815 square miles of land.
Your street may differ from Gloucester County's average
1,317 of Gloucester County's 16,495 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Gloucester County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.