Virginia Home InsuranceFlood insurance discounts in Virginia
Flood discounts in Virginia
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 295 Virginia communities in the National Flood Insurance Program, 31 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Accomack County | 5 | 25% |
| Gloucester County | 5 | 25% |
| Henrico County | 5 | 25% |
| Norfolk | 5 | 25% |
| James City County | 5 | 25% |
Source: FEMA NFIP Community Status Book.
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