Flood Insurance

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.