Is Williamsburg city, VA in a flood zone?
FEMA's National Risk Index puts Williamsburg city's flood hazard at the 37.4th percentile nationally — among the lowest flood hazard in the country — 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.
Who actually carries the flood insurance FEMA requires
Williamsburg city is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Williamsburg city, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Williamsburg city compares nationally
Williamsburg city sits at rank 2033 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2034 of 3144 by population (1 is biggest). Williamsburg city, Virginia covers 8.938 square miles and counts roughly 16,030 residents.
What to do next if you own or are buying in Williamsburg city
FEMA counts 3,624 residential structures in Williamsburg city overall, 32 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 Williamsburg city's numbers. See the data quality guide for why Williamsburg city, like hundreds of other counties, doesn't get a clean compliance percentage.