Frequently Asked Questions

How can I find out if my property is in a flood zone?

You can check flood zone maps provided by the Virginia Flood Risk Information System or consult with local government offices that maintain flood risk data.

How can I find out more information about flood risk in Virginia?

The Virginia Flood Risk Information System (VFRIS) is a good place to start! VFRIS is a digital mapping platform that helps communities, real estate agents, prospective buyers and property owners discern an area's flood risk. By entering your address into the system, you can check to see if your property is located within a Special Flood Hazard Area.

Additional Information can be obtained from FEMA, your local government offices and the Virginia Department of Conservation and Recreation for their floodplain management and resilience information. You can also check out the Virginia Department of Emergency Management website for more information on how to prepare for a flood.

Are landlords required to disclose flood risks to tenants?

Currently, there are no renter protections in Virginia.

How does flood insurance work, and do I need it?

Flood insurance covers damage caused by flooding and is typically required for properties in high-risk flood zones. Flooding is not covered by homeowners insurance and requires a seperate policy, most frequently provided by the National Flood Insurance Program. Private insurance is also available. If you live in a floodplain it is always advised since it provides financial protection against flood-related losses.

Virginia is a “buyer beware” state. Can mandatory flood disclosure work?

Virginia is a buyer beware state, meaning the buyer is responsible for inspecting the home prior to purchasing. Despite this, there are already several other mandatory disclosures in code, including the disclosure of proximity to military air installations, disclosure of if a property was previously used to manufacture methamphetamine and repetitive flood loss as mentioned above. With transient and military populations living across the Commonwealth who may not have any frame of reference for potential flood risk, buyers deserve to have the information they need to make the most informed decision for themselves and their families. 

What does flood disclosure look like in other states?

Our partners at the Natural Resources Defense Council have created a map that details how buyers – or aren’t – protected with flood risk disclosure laws in other states. 

How can I get involved?

Sign up to become a citizen advocate and build awareness on flood risk disclosure. Your voice can help make a difference in your community and our state!