Water Risk Profile — ZIP 23451
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Very High
Cost Range
$2,200–$14,000
Avg Response
48 min
NFIP
State participates
Local Climate & Risk Factors
Virginia Beach, Virginia faces water damage from its Mid-Atlantic coastal location: Chesapeake Bay tidal flooding in Hampton Roads and Northern Virginia; James, Rappahannock, and Potomac River corridor flooding; and tropical storm remnants from the Atlantic hurricane season. Hurricane Isabel (2003), Irene (2011), Sandy (2012), and Ida's 2021 remnants caused major flooding in Virginia communities from the coast to Northern Virginia's suburban counties. Virginia Beach and Hampton Roads face the most active sea level rise of any major U.S. metro — tidal flooding events are increasing in frequency. Virginia Bureau of Insurance regulates claim handling. Northern Virginia's older housing stock includes many pre-1970 slab foundations with aging supply lines.
Flood-prone areas: Shore Drive corridor, Great Bridge, and all canal-front communities face highest tidal flooding risk; all Oceanfront and beachfront area properties face hurricane storm surge risk
Water Category Cost Table — Virginia Beach, VA
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $3.82–$10.21 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $10.21–$12.36 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $14.51–$18.7 |
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 Virginia Beach market (4.5–17/sq ft range).