It is recommended to obtain flood insurance even if it is not required to have it. In the City of Norfolk, the chance of flooding is real for everyone with our risk coming from both coastal and rain event flooding. Normally, flood insurance is required by lenders for properties located within higher risk flood zones (AE, AH, AO and VE). What flood zones require flood insurance? Limits of Moderate Wave Action: Area affected by waves heights between 1.5 and 3 feet.Area subject to wave heights 3 feet or more and extending to the inward limit of the Coastal Primary Sand Dune Areas subject to a 1% annual chance flooding with flood depths between 1 to 3 feet.Areas subject to a 1% annual chance flooding event caused by ponding water.This area is most likely to flood during a flood event. Areas subject to a 1% annual chance flooding event with water elevation levels determined (Base Flood Elevation).Areas are subject to flooding depths less than 1 foot during a 1% chance flood. Areas that have a 0.2% annual chance of flooding and may see flooding if the flood event is abnormally large. Areas that are outside the 0.2% annual chance of flooding.These zones were determined scientifically using a study that predicts where water will go during major flooding events (one percent (1%) annual chance of flooding). The City of Norfolk has multiple flood zones that are shown on our maps. The FIRM and the associated development requirements are implemented by City of Norfolk Zoning Ordinance in Article 3.9.7 along with the Virginia Uniform Statewide Building Code. This map shows the risks that properties have of being impacted by flooding. A flood zone is an area designated on the Flood Insurance Rate Map (FIRM) that is provided to the City of Norfolk by FEMA.
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