Flooding in Virginia Beach WHAT YOU NEED TO KNOW

Virginia Beach is a vibrant coastal city known for its beaches, boardwalks, and beautiful waterways, but living close to the ocean, bays, and rivers comes with serious flood risks. From hurricanes and nor’easters to heavy rain events and king tides, flooding here is becoming increasingly common. In fact, studies show that over 28,900 homes in Virginia Beach are at risk of flooding today, a number that is only set to increase over time. 

What many residents of Virginia Beach may not realize, however, is that most standard homeowners insurance does not cover flood damage. If water enters your home from outside—whether from storm surge, rising tides, or heavy rain—you’ll need separate private flood insurance in Virginia Beach, VA to be protected financially.

Flood Zones in Virginia Beach

Much of Virginia Beach lies in FEMA-designated flood zones, particularly Zone AE and Zone VE, which represent high-risk areas. Homes near the Atlantic Ocean, Chesapeake Bay, Lynnhaven River, and Back Bay are especially vulnerable. Even properties inland, near smaller creeks and stormwater channels, can flood during major storms or prolonged rain.
Even homes located in Zone X (low-to-moderate risk areas) are not immune. FEMA reports that over 40% of all flood insurance claims nationwide come from outside high-risk zones.