Is Winchester city, VA in a flood zone?
FEMA's National Risk Index puts Winchester city's flood hazard at the 31.9th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Winchester city's flood-insurance compliance gap
The raw NFIP numbers for Winchester city would imply over 100% of mandated homes carry a policy, which just means FEMA's structure-count denominator for this county is wrong, not that compliance is unusually good. This is flagged rather than clipped to look normal — details in the data quality guide. Across all residential structures in Winchester 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.
Winchester city against the rest of the country
Winchester city sits at rank 2199 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1509 of 3144 by population (1 is biggest). About 27,800 people live in Winchester city, Virginia, spread over 9.193 square miles.
What to do next if you own or are buying in Winchester city
Across all of Winchester city's 7,680 residential structures, 69 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Winchester city's numbers. See the data quality guide for why Winchester city, like hundreds of other counties, doesn't get a clean compliance percentage.