Flood Zones
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.
Am I in a flood zone?
Norfolk has a public website, Forerunner, for community members to access the flood risk data for individual properties. This site makes it easy for homeowners, contractors, insurance agents, realtors and more to learn about the flood-related risk for a property. Click the icon below to search Norfolk properties.
Forerunner is a great source to:
- identify flood zones and view flood data
- search for a property's flood risk
- find existing elevation certificates
- request assistance from Norfolk's Floodplain team
You can also view more Norfolk flood information on NorfolkAir or the FEMA Map Service Center.
What are the different categories of flood zones?
The City of Norfolk has multiple flood zones shown on our maps. These zones were scientifically determined using a study that predicts where water will go during major flooding events (defined as one percent (1%) annual chance of flooding).
Scroll, using the side buttons or numbers below, to review how these flood zones are defined!
X- Zone
Areas that are outside the 0.2% annual chance of flooding. This zone is the least likely to flood.
X- Shaded Zone
0.2% annual chance of flood
Areas that have a 0.2% annual chance of flooding and may see flooding if the flood event is abnormally large. Areas are subject to flooding depths less than 1 foot during a 1% chance flood.
AE Zone
Areas subject to a 1% annual chance flooding event with water elevation levels determined (Base Flood Elevation). This area is most likely to flood during a flood event.
AH Zone
Areas subject to a 1% annual chance flooding event caused by ponding water. Elevations determined by FEMA.
AO Zone
Areas subject to a 1% annual chance flooding with flood depths between 1 to 3 feet. Usually occurs due to sloping terrain.
VE Zone
Velocity zone. Area subject to wave heights 3 feet or more and extending to the inward limit of the Coastal Primary Sand Dune.
LiMWA
Limits of Moderate Wave Action: Area affected by waves heights between 1.5 and 3 feet.
An elevation certificate is a document prepared by a licensed surveyor to provide elevation information about a building, including its location, lowest point of elevation, and flood zone. It is used to verify that buildings meet community flood plain management ordinances to help lower flood risk and insurance costs.
The City of Norfolk maintains a list of all elevation certificates it receives on Forerunner. To access the list, click here Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file? Does the City have an elevation certificate for my residence on file?. If you are unable to locate the address in question, contact planning@norfolk.gov for help.
You can download and fill out the Elevation Certificate Form HERE Version OptionsFlood ZonesHeadline.
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.
For specific flood zone determinations, please fill out the Flood Zone Determination Form (someone will respond within two business days) or call the Planning Department at 757-664-4752.
A Flood Zone Determination is primarily needed by mortgage lenders to assess flood risk for properties tied to federally regulated loans. If a property is in a high-risk flood zone, the borrower must purchase flood insurance to protect the lender’s collateral. It is also used by insurance agents to generate accurate flood insurance quotes. Other reasons include ensuring local building code compliance, responding to flood map changes, increasing risk awareness, and conducting business analysis.
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.
The City of Norfolk has a comprehensive website that details the efforts to protect citizens and property.
- Flood Awareness website for more information.
- FloodSmart by FEMA, which provides information on flood insurance and other information.
- Flood Insurance | FEMA.gov
More information from other departments about flooding:
- Emergency Management: Flooding Awareness & Mitigation | City of Norfolk, Virginia - Official Website
- Office of Resilience: CSRM Project Resilient Norfolk