Hello Norfolk: Is Your Home Ready for Spring Floods?
Spring is beautiful in Norfolk — but it also brings something less welcome: Spring floods risk. And the worst part? Many homeowners don’t even realize their regular insurance doesn’t cover flood damage.
🌊 Spring Floods: What Most Norfolk Homeowners Get Wrong
Your standard homeowners policy?
It doesn’t include flood insurance.
Even if your basement fills up with water or your foundation takes a hit after a heavy storm, most policies won’t help unless you have flood protection added.
Norfolk’s low elevation and coastal position mean rising sea levels and storm surges are a serious threat — not just a “what-if.”
✅ When You Do Need Flood Insurance in Norfolk
Here’s how to know it’s time to act:
You live near the Elizabeth River, Lafayette River, or Ocean View areas
You’ve seen your street or yard flood before (even a little!)
Your mortgage requires flood insurance (often the case in FEMA flood zones)
You want peace of mind before hurricane season hits
💡 Bonus Tip: Flood Insurance Takes 30 Days to Kick In
Don’t wait until the storm is on the radar. Most flood policies have a 30-day waiting period — so buying early is the smart move.
🔍 Is Norfolk Covered by FEMA Flood Zones?
Yes — and they’re constantly changing.
If your home has recently been re-zoned or marked “at risk,” your lender might now require flood insurance — and many residents have no idea.
🛡️ Protect What Matters with Shore Tax and Insurance
We help homeowners across Norfolk and surrounding cities understand their flood exposure and find the right protection — without overpaying.
📞 Got questions? Let’s walk through your options today.
We’ll make it simple, clear, and local — just how insurance should be.