Virginia Beach Residents Eligible for Flood Insurance Discounts

Virginia Beach residents and businesses will see savings beginning May 1.

flooded streetVirginia Beach’s successful application to join the Federal Emergency Management Agency/National Flood Insurance Program's Community Rating System (CRS)​ means residents and business owners can now save 15% on flood insurance premiums for policies initiated or renewed on or after May 1.  CRS is voluntary program started in 1990 that encourages and rewards communities’ efforts to go beyond basic requirements to mitigate flooding. 

The CRS uses a 10-level (or point) scale to evaluate efforts. Each level below 10 receives a 5% discount on flood insurance premiums. The City will join the program as a Class 7 community, which reflects the significant investment being made to mitigate flooding issues throughout the city. Virginia Beach receives discounts for preservation of open space, higher building standards, and the Hampton Roads Hazard Mitigation Plan, among others.

Properties located outside the high-risk flood zones are eligible for Preferred Risk Policies, which means they are already receiving a lower rate. The total savings as a result of the City's participation in the CRS program will be in excess of $1 million per year.

“The application process is intense and involves extensive documentation of activities and programs eligible for points,” said Environmental Planner Whitney McNamara, who led the city’s efforts. “This process included a thorough review of all City development codes and documentation of state, local, and privately-owned open space, as well as collecting documentation for other steps the City took to earn points." 

Virginia Beach joins 25 other communities throughout the commonwealth currently participating in the program, including Norfolk, Chesapeake and Portsmouth. 

For more information on the rating system, visit

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