FEMA / Floodplain FAQ and Additional Information

Who is required to have flood insurance?

Flood insurance is an important part of protecting your property. Property in a mapped floodplain is five times more likely to be damaged by a flood than by a fire. There is a 26% chance that such a property will be flooded during a 30-year mortgage.

In NFIP communities, the federal government requires flood insurance for buildings in a Special Flood Hazard Area that are financed through a federally backed mortgage or loan. (Lenders may require flood insurance for other types of loans as well.)

If you live outside a mapped floodplain your property may still be damaged by a flood. About 25% of all flood damage occurs outside mapped flood zones. Standard home insurance policies do not cover flooding due to rising waters.

If you own or rent property in New Kent County, you can obtain flood insurance at NFIP rates. Check with your insurance agent to find out more.

How do I find out if my property is in a mapped floodplain?

The easiest way to tell if a property is in a FEMA mapped special flood hazard area is to check a Flood Insurance Rate Map (FIRM) using the FEMA Flood Map Service Center. You can also determine if your property is located in a floodplain by checking the New Kent County GIS portal or DCR’s Virginia Flood Risk Information System (VFRIS).

How do I get flood insurance?

Your current insurance agent may be able to help you get flood insurance. Most companies can write a NFIP flood insurance policy for you. If you need more help, FloodSmart.gov can provide you with names of local agents that provide NFIP flood insurance. You may also call the toll-free number 1-888-379-9531 to ask for a flood insurance agent referral. Remember it takes 30 days to receive flood insurance. Don’t delay, apply today!

Is there funding for reducing the risk of flood damage?

The Flood Mitigation Assistance Grant Program (FMA) provides funding to States, Territories, federally-recognized tribes and local communities for projects and planning that reduces or eliminates long-term risk of flooding damage to buildings insured under the NFIP. Information on the program is available at Flood Mitigation Assistance Grant Program.

For more information, please check out FEMA’s site: https://www.fema.gov/homeowners-frequently-asked-questions  

Proposed FEMA Map Updates and Information

New Kent Map Information (PDF)

Mapping Fact Sheet (PDF) 

Appeals and Comments Information (PDF)

FEMA Flood Protection Library

Above the Flood: Elevating Your Floodprone House, FEMA-347 (2000) (PDF)

Answers to Questions About the National Flood Insurance Program, F-084 (2011) (PDF)

Elevated Residential Structures, FEMA-54 (1984) (PDF)

Protecting Manufactured Homes from Floods and Other Hazards, FEMA P-85 (2009) (PDF)

Protecting Building Utilities From Flood Damage, FEMA-P-348, Edition 2 (2017) (PDF)

Protecting Floodplain Resources, FEMA-268 (1996) (PDF)

Reducing Damage from Localized Flooding, FEMA 551 (2005) (PDF)

Repairing Your Flooded Home, FEMA P-234 (2010) (PDF)