Sturgeon Creek Condo Homeowners Association
P.O. Box 1185, Deltaville, VA, 23043
Solid, with items to review
Flood-claim history is the main driver — $1.4M paid across 136 claims in ZIP 23043.
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 4 of 9
44%Still blank: Homes, Stories, Year built, Management, Mapped location.
Board member or manager at Sturgeon Creek Condo Homeowners Association? Complete your building's profile — free.
Know the risks before you buy
Natural-hazard profile — Middlesex County
Overall county risk: Very Low compared with other U.S. counties.
FEMA expects natural hazards to cost $5.9M per year across Middlesex County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 23043
Federal flood insurance has paid $1.4M across 136 claims in this ZIP code since 1985. The worst year was 2003 ($632K paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Special deductibleHurricane. Wind is usually a covered peril, but hurricane or named-storm claims often carry a separate deductible expressed as a percentage of the insured value — 1% to as high as 15%. NAIC
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Virginia average: $420/yr for a condo unit-owner (HO-6) policy — 27% below the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Virginia average $774/yr across 89,358 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in Virginia
- If the private market says no: Virginia Property Insurance Association (VPIA) — FAIR-plan market of last resort writing basic dwelling forms with optional endorsements.
- Storm deductibles: Many insurers apply a separate wind, hail, or named-storm deductible — flat or a percentage of dwelling coverage (2% and 5% are the guide’s examples). Virginia SCC guide
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Virginia SCC Bureau of Insurance.
Insurance market in Virginia
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Sturgeon Creek Condo Homeowners Association report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Virginia market rules
- Where to request the official documents, with direct links
One email, no account. We may share your request with a licensed local professional and contact you about this building. Privacy, in plain English.
Line up the work — free to ask, no obligation
Tell us what Sturgeon Creek Condo Homeowners Association needs and we'll connect you with licensed professionals who cover VA.
We share your request only with matching licensed professionals — never sold elsewhere, and no spam. Vendors may pay us for the introduction; that never changes your price. Privacy, in plain English. Are you a vendor? Join the network.
What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Virginia: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
Is Sturgeon Creek Condo Homeowners Association mortgage-ready?
Answer 12 plain-English questions and see how this building lines up with Fannie Mae's published standards. Free, no account.
Watch this building
Public records change — SIRS filings, management changes, new disaster declarations. Leave your email and we'll watch Sturgeon Creek Condo Homeowners Association for you.
Free. We'll email you only when something changes. Privacy policy.