Henrico County, VA flood risk explained
Flood hazard in Henrico County sits at the 85.4th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Henrico County's flood-insurance compliance gap
95.2% of the homes FEMA requires to carry flood insurance in Henrico County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 295 policies against 310 mandated structures. Looking beyond the mandated zone, 1.1% of all residential structures in Henrico County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Henrico County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Henrico County ranks 481 — 1 being the highest hazard nationally — and 219 by population among all 3144 counties covered here, where 1 is the largest. Henrico County, Virginia covers 233.665 square miles and counts roughly 338,696 residents.
What to do next if you own or are buying in Henrico County
782 of Henrico County's 70,823 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Henrico County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.