FEMA / Floodplain General Information
Flood Zone Information and Flood Insurance
Standard homeowner’s insurance policies do not cover losses due to flooding. New Kent County participates in the National Flood Insurance Program (NFIP), which makes it possible for property owners in New Kent to obtain federally-backed flood insurance. View the NFIP Flood Insurance Claims Guide to know what to do before and after a flood, including filing a claim, and the steps involved in appealing a denied claim.
The NFIP also includes Increased Cost of Compliance (ICC) coverage for all new and renewed Standard Flood Insurance Policies. This insurance is available to any owner of insurable property (buildings and/or contents) in New Kent. The actual cost will vary depending on the amount of coverage sought and the degree of flood hazard.
If you are considering flood insurance, constructing a new building, or adding to an existing building, you may need to know if your property is located within a floodplain. Locate your address using the FEMA Flood Map Service Center to find your flood map.
Always verify with the Environmental Department, and/or Building and Development before you build, re-grade, or fill on your property. A Floodplain Development permit is required for any activity occurring within a floodplain area. New buildings in the floodplain must be protected from flood damage. Code requires that new buildings or ‘substantial improvements’ to existing buildings must be constructed with the lowest floor elevated or floodproofed to a minimum of one foot above the base flood elevation. A substantial improvement is any repair, reconstruction, or improvement of a structure, the cost of which equals or exceeds 50 percent of the market value of that structure.
Floodplain Development Permit (PDF being developed)
Myths and Facts about the National Flood Insurance Program
Myth: The “100 Year Flood” should only happen once every 100 years.
Fact: The “100 Year Flood” actually has a 1% chance of happening in any given year. These floods are likely to occur far more often than once every hundred years. Homes in these areas have a 26% chance of such a flood occurring during a 30-year mortgage period.
Myth: You have to live in the special flood hazard area to qualify for flood insurance.
Fact: New Kent County participates in the National Flood Insurance Program (NFIP) which makes flood insurance available to everyone in the County. You do not have to live in the special flood hazard area to qualify for flood insurance.
Myth: Only residents of high-flood risk areas need to insure their property.
Fact: All areas are susceptible to flooding, although to varying degrees. If you live in a low-to-moderate flood risk area, it is advisable to have flood insurance. Nearly 25% of the NFIP’s claims come from outside high-flood risk areas. Residential and commercial property owners located in low-to-moderate risk areas should ask their agents if they are eligible for the Preferred Risk Policy, which provides inexpensive flood insurance protection.