Is New Kent County, VA in a flood zone?
FEMA's National Risk Index puts New Kent County's flood hazard at the 52.8th percentile nationally — below the national norm for flood hazard — driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.7 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside New Kent County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 50.6% of them do — 42 active policies against 83 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in New Kent County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
New Kent County against the rest of the country
New Kent County sits at rank 1546 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1535 of 3144 by population (1 is biggest). New Kent County, Virginia is home to about 27,218 people across 210.031 square miles of land.
Your street may differ from New Kent County's average
FEMA counts 8,706 residential structures in New Kent County overall, 97 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed New Kent 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.