Now that you know how vulnerable we are here in Hampton Roads and about our growing flood risks, you’re so smart to protect your family, home and business with flood insurance.

How much does it cost?

Whether you’re a homeowner or a renter, there are many factors that go into determining the cost of your flood insurance policy. Where you live is just one of them.

What you pay may be very different from the amount your friend pays across town, or even what your neighbor pays across the street. Why? The cost depends on many different factors including the amount of coverage you need, your deductible, the risk level of your flood zone, the age of your home or the place you’re renting, the number of levels and more.

In 2018, the average yearly premium for flood insurance in Virginia is about $737.1

There’s also something called a Preferred Risk Policy; this is a policy for an area outside of a high-risk zone. The cost of Preferred Risk Policies that include building and contents coverage can range from $100 to $386, depending on your level of coverage. Even at the high end, that’s just $32 a month.2

Check with the insurance company that may be issuing your policy for a specific quote.

How do I get covered?

Whether you’re a homeowner, renter or business owner, contact your current insurance agent. Almost 100 insurance companies write and service National Flood Insurance Program policies.

If your insurance company doesn’t offer flood policies and you’d like a referral, contact the National Flood Insurance Program’s Help Center at 1-800-427-4661.

Don’t forget, there’s a 30-day waiting period before your flood policy takes effect. Don’t wait!

How do I contact the campaign?

You can do it right here! Use the form below to ask us any questions you may have or just to let us know what you think.

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It's time to get the simple, indisputable facts about the growing chances for flooding and why you need flood insurance.
It's time to get the simple, indisputable facts about the growing chances for flooding and why you need flood insurance.

Copyright © HRPDC Coastal Resiliency Committee. All rights reserved. All photos on this site depict flooding in Hampton Roads.