New Flood Risk Calculator Helps Determine the Right Amount of Flood Insurance

Having flood insurance is more important than ever.
A new online tool will help you take the guesswork out of  purchasing flood insurance. The Hampton Roads Planning District Commission’s (HRPDC) free Flood Risk Calculator will help you determine how much insurance you need to protect your home from flooding based on factors like the square footage and elevation of your property. 

The calculator, developed by Hampton Roads planners and emergency managers, is a new feature at, a website and public awareness campaign that provides information about flood risks throughout the region. The Flood Risk Calculator uses the standard rate tables provided by the Federal Emergency Management Agency (FEMA)’s national flood insurance program. By answering a few easy questions on the online tool, residents will receive a baseline rate to determine what they may pay for flood insurance. 

The calculator guides users through simple prompts for entering their flood zone, occupancy type, how the home is structured and their preferred coverage for the building and its contents. 
In 2019, the average yearly premium for flood insurance in Virginia was about $737.00, or $61.40 a month. Flood insurance is not only recommended for homeowners; renters and business owners should also make sure they have proper coverage. 

To check out the Flood Risk Calculator, visit

Contact Information