Does Huntersville flood?
Huntersville, Norfolk, VA · ZIP codes 23510, 23504, 23507 and 23509: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Huntersville have filed flood claims. About 18% of Huntersville’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 101 claims from the Census block groups that cover Huntersville, from 1980 through 2016. 76 of them received a payment, totaling $2,198,783 (not adjusted for inflation). The busiest years were 2009 (20 claims), 2016 (17 claims), 1999 (14 claims).
What this page counts as Huntersville
We could not find an openly licensed official boundary for Huntersville, so this page uses a census-based area. For this page, Huntersville means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Huntersville (feature 1496953) and inside the Norfolk city limits (U.S. Census Bureau), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Huntersville. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Huntersville
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Huntersville
The named streets in Huntersville, longest first, with how much of each street’s length inside Huntersville lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Huntersville; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that. 92 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Church St | 3.1 mi | 0.0% | X (unshaded, minimal) (64%) |
| Tidewater Dr | 1.8 mi | 8.3% | X (unshaded, minimal) (83%) |
| Rugby St | 1.0 mi | 16% | X (unshaded, minimal) (63%) |
| Monticello Ave | 1.0 mi | 40% | X (shaded, 0.2% annual chance) (56%) |
| E Princess Anne Rd | 5,250 ft | 31% | X (unshaded, minimal) (50%) |
| E Virginia Beach Blvd | 5,150 ft | 17% | X (unshaded, minimal) (72%) |
| Llewellyn Ave | 5,130 ft | 42% | X (shaded, 0.2% annual chance) (52%) |
| Granby St | 4,810 ft | 27% | X (shaded, 0.2% annual chance) (48%) |
| Goff St | 4,350 ft | 0.0% | X (unshaded, minimal) (57%) |
| E 26th St | 3,710 ft | 8.7% | X (shaded, 0.2% annual chance) (72%) |
| Barraud Ave | 3,530 ft | 0.0% | X (unshaded, minimal) (100%) |
| Botetourt Gdns | 3,330 ft | 100% | AE (100%) |
| Maltby Ave | 3,200 ft | 0.0% | X (unshaded, minimal) (80%) |
| Armistead Ave | 2,980 ft | 57% | AE (57%) |
| Lindenwood Ave | 2,930 ft | 8.1% | X (unshaded, minimal) (87%) |
| Bolton St | 2,800 ft | 0.0% | X (unshaded, minimal) (100%) |
| Cary Ave | 2,580 ft | 0.0% | X (unshaded, minimal) (100%) |
| W 23rd St | 2,540 ft | 0.0% | X (unshaded, minimal) (90%) |
| E 28th St | 2,400 ft | 44% | X (shaded, 0.2% annual chance) (56%) |
| E 25th St | 2,370 ft | 0.0% | X (shaded, 0.2% annual chance) (69%) |
| E 27th St | 2,310 ft | 0.0% | X (shaded, 0.2% annual chance) (81%) |
| Villa Cir | 2,300 ft | 100% | AE (100%) |
| Hanson Ave | 2,280 ft | 0.0% | X (unshaded, minimal) (90%) |
| Reservoir Ave | 2,260 ft | 10% | X (unshaded, minimal) (72%) |
| E Olney Rd | 2,260 ft | 1.1% | X (unshaded, minimal) (83%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 5, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Huntersville
Share of Huntersville’s mapped area (about 5.283 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 7 to 9 feet. Effective date of the FIRM panel(s) covering it (5101040018H, 5101040019H, 5101040056H, 5101040057H, 5155290081D): August 3, 2015, February 17, 2017.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 62% |
| X (shaded, 0.2% annual chance) | 19% |
| AE | 18% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Huntersville. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1980s | 3 | $20,101 |
| 1990s | 22 | $304,291 |
| 2000s | 45 | $946,989 |
| 2010s | 31 | $927,403 |
By year of loss
Named flood events with the most claims
- November 2009 Nor'easter: 18 claims
- Hurricane Matthew: 16 claims
- Hurricane Isabel: 14 claims
- Hurricane Floyd: 9 claims
- Hurricane Irene: 7 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 82
- X/B/C (moderate or minimal): 19
How much is flood insurance in Huntersville?
The typical National Flood Insurance Program policy on single-family homes in Huntersville costs $566 a year: the median of 235 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $471 and $695. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 5, 2026.
Why home insurance costs what it does in Huntersville
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. These are the ZIP codes on at least 5% of the flood claims counted for Huntersville, within 10 km of it.
- ZIP code 23510: the median National Flood Insurance Program policy cost for single-family homes was $948 a year, the middle of 81 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $780 and $1,174. These policies are priced under Risk Rating 2.0.
- ZIP code 23510: NFIP records list 278 flood claims with a loss year from 1978 through 2025. The claims dataset is as of September 8, 2026.
- ZIP code 23504: the median National Flood Insurance Program policy cost for single-family homes was $704 a year, the middle of 265 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $552 and $953. These policies are priced under Risk Rating 2.0.
- ZIP code 23504: NFIP records list 283 flood claims with a loss year from 1982 through 2020. The claims dataset is as of September 8, 2026.
- ZIP code 23507: the median National Flood Insurance Program policy cost for single-family homes was $510 a year, the middle of 457 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $432 and $682. These policies are priced under Risk Rating 2.0.
- ZIP code 23507: NFIP records list 271 flood claims with a loss year from 1978 through 2026. The claims dataset is as of September 8, 2026.
- ZIP code 23509: the median National Flood Insurance Program policy cost for single-family homes was $676 a year, the middle of 609 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $554 and $847. These policies are priced under Risk Rating 2.0.
- ZIP code 23509: NFIP records list 264 flood claims with a loss year from 1979 through 2026. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Norfolk, VA a Risk to Homes national percentile rank of 0.373, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Huntersville alone. The summary file is dated April 15, 2026.
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Huntersville?
ZIP code 23510: the median National Flood Insurance Program policy cost for single-family homes was $948 a year, the middle of 81 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $780 and $1,174. These policies are priced under Risk Rating 2.0. ZIP code 23510: NFIP records list 278 flood claims with a loss year from 1978 through 2025. The claims dataset is as of September 8, 2026. ZIP code 23504: the median National Flood Insurance Program policy cost for single-family homes was $704 a year, the middle of 265 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $552 and $953. These policies are priced under Risk Rating 2.0. ZIP code 23504: NFIP records list 283 flood claims with a loss year from 1982 through 2020. The claims dataset is as of September 8, 2026. ZIP code 23507: the median National Flood Insurance Program policy cost for single-family homes was $510 a year, the middle of 457 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $432 and $682. These policies are priced under Risk Rating 2.0. ZIP code 23507: NFIP records list 271 flood claims with a loss year from 1978 through 2026. The claims dataset is as of September 8, 2026. ZIP code 23509: the median National Flood Insurance Program policy cost for single-family homes was $676 a year, the middle of 609 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $554 and $847. These policies are priced under Risk Rating 2.0. ZIP code 23509: NFIP records list 264 flood claims with a loss year from 1979 through 2026. The claims dataset is as of September 8, 2026.
What do public fire and wind records show for Huntersville?
USDA Forest Service Wildfire Risk to Communities gives Norfolk, VA a Risk to Homes national percentile rank of 0.373, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Huntersville alone. The summary file is dated April 15, 2026.
What should I ask an insurance agent about a home in Huntersville?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.
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Before you rent or buy in Huntersville
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Huntersville
Flood maps are only one part of choosing a neighborhood. To compare Huntersville with other Norfolk neighborhoods on more than flooding, see Norfolk on StrollPlace.
Buyer and renter FAQ
Does Huntersville flood?
Yes. Insured properties in and around Huntersville have filed flood claims. About 18% of Huntersville’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 101 claims from the Census block groups that cover Huntersville, from 1980 through 2016. 76 of them received a payment, totaling $2,198,783 (not adjusted for inflation). The busiest years were 2009 (20 claims), 2016 (17 claims), 1999 (14 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Huntersville in a flood zone?
About 18% of Huntersville’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 62%; X (shaded, 0.2% annual chance) 19%; AE 18%. The FIRM panel(s) covering it took effect August 3, 2015, February 17, 2017.
Which streets in Huntersville are in a high-risk flood zone?
Most of the length of Botetourt Gdns, Armistead Ave and Villa Cir lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Church St, Tidewater Dr, Goff St, E 26th St, Barraud Ave, Maltby Ave, Lindenwood Ave and Bolton St does. Zones can change along a street, so check the exact address.
What ZIP code is Huntersville in?
Huntersville is in Norfolk, VA. ZIP codes 23510, 23504, 23507 and 23509: the ZIP codes on most of the flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Huntersville?
The typical NFIP flood insurance policy on single-family homes in Huntersville cost $566 a year: the median of 235 policies that started between September 1, 2025 and August 31, 2026. Half cost between $471 and $695. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Ghent flood?
- Does North Ghent flood?
- Does Riverview flood?
- Does Park Place flood?
- Ballentine Place
- Does Lafayette Residence Park flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 5, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for City of Norfolk (county code 51710), dataset as of September 8, 2026, retrieved November 5, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 517100029001, 517100035013, 517100029002, 517100032002, 517100034002, 517100034001, 517100035012, 517100035014, 517100035011, 517100040011, 517100041001, 517100043004. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 5, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 5, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 5, 2026 (flood zones). Page last updated November 5, 2026.