Flood Insurance

March 29, 2020: FEMA Extends Grace Period for Flood Insurance Renewal Premiums

Read the full news release.

Important Notice: FEMA States City of Norfolk in Good Standing with National Flood Insurance Program

We wanted to make you aware of an inaccuracy in the Federal Emergency Management Agency (FEMA) Federal Register posted February 17, 2017.

This update and clarification is useful for Realtors, Home Lenders, Builders, Developers and Residents interested in buying property in Norfolk.

  • On Friday February 17, the Federal Emergency Management Agency (FEMA) listed in the Federal Register incorrectly that the issuance of flood insurance in the City of Norfolk was prohibited as of 2/17/17.
  • The City notified FEMA immediately about the incorrect listing in their Federal Register. As a result, FEMA issued an official letter (PDF), dated February 18, 2017 affirming that the City of Norfolk is Good Standing with National Flood Insurance Program. This letter also clarifies that new flood insurance policies can be issued within the City.

Protect Yourself

Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains, and other conditions that impact your community.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

Renter’s can also obtain insurance, learn more here.

FEMA Hazard Mitigation Assistance Grant Program

The Hazard Mitigation Assistance (HMA) Grant Program provides an opportunity to take critical mitigation steps to reduce the loss of life and property when authorized under a Presidential major disaster declaration.

National Flood Insurance Program

What to expect:

For more information visit Flood Smart.

For questions regarding flood insurance specific to Norfolk, please contact the Planning Department at 757-664-4752.