New Flood Insurance Rate Maps (FIRM)
New Elevation Certificate Form-216
What is a flood zone?
A flood zone is an area designated on the Flood Insurance Rate Map (FIRM) that is provided to the City of Norfolk by FEMA. This map shows the risks that properties have of being impacted by flooding.
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.
What are the flood zones?
The City of Norfolk has multiple flood zones that are shown on our maps. 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).
These zones are:
What flood zones require flood insurance?
Normally, flood insurance is required by lenders for properties located within higher risk flood zones (AE, AH, AO and VE). In the City of Norfolk, the chance of flooding is real for everyone with our risk coming from both coastal and rain event flooding. It is recommended to obtain flood insurance even if it is not required to have it.
How do find out what flood zone I am in?
Please use the City of Norfolk address information resource called NorfolkAIR. Under the public safety tab you can find out what flood zones are on your property. You can also use the FEMA Map Service Center. For specific flood zone determinations, please fill our the Flood Zone Determination Form (someone will respond within two business days) or call the Planning Department at 757-664-4752.
What is the Community Rating System (CRS)?
The City of Norfolk participates in the CRS program which provides a reduction in flood insurance rates for the citizens of Norfolk. By participating in this program, we provide better protection to people and property by enforcing higher development standards, providing public outreach and information, maintaining the city’s drainage system, and other efforts.