Water Risk Profile — ZIP 23328
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
High
Cost Range
$2,800–$15,000
Avg Response
40 min
NFIP
State participates
Local Climate & Risk Factors
Chesapeake is an independent city bordering Norfolk and Virginia Beach in Hampton Roads — one of the most flood-vulnerable metro areas in the US. The city sits in the Great Dismal Swamp watershed at near sea-level elevation. Sea level rise in the Hampton Roads region is accelerating (fastest on the East Coast at 5mm+/year) — properties that were not flood-prone a decade ago are now regularly experiencing nuisance flooding. Hurricane Dorian (2019) and Ida (2021) impacts emphasized inland Chesapeake's vulnerability. The Western Branch Chesapeake Bay watershed creates multiple flood corridors through the city.
Flood-prone areas: Deep Creek and South Norfolk near the Elizabeth River have highest tidal flood risk. Western Branch and Greenbrier are inland with lower tidal but still significant storm flood risk. Hickory and Great Bridge are higher-elevation neighborhoods.
Water Category Cost Table — Chesapeake, VA
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $4.76–$12.16 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $12.16–$14.72 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $17.28–$22 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Chesapeake market (5.6–20/sq ft range).