Virginians should review flood insurance policies, learn about National Flood Insurance Program

November 21, 2016  //  

VIRGINIA BEACH, Va. – Virginia residents still recovering from Hurricane Matthew should review their insurance policies carefully before filing claims, said the Virginia Department of Emergency Management today.

Residents who have experienced flood damage as a result of the hurricane are filing claims with their property insurers as they recover and rebuild. Many homeowners are discovering that their insurance policies do not cover flood damage to their homes.

  • Homeowners’ insurance policies issued in Virginia typically do not provide coverage for damage to your home and belongings due to floods, surface water or storm surges. However, the federal government sells insurance for direct flood and flood-related damage to homeowners, renters and businesses in eligible communities through its National Flood Insurance Program (NFIP).
  • In most cases, there is a 30-day waiting period for a new flood insurance policy to take effect. To learn more about this program, contact your insurance agent or the NFIP at 888-379-9531, visit, or go to the online booklet “The NFIP Flood Insurance Claims Handbook” at

For insurance questions and concerns not relating to flood damage, contact the State Corporation Commission’s Bureau of Insurance toll-free at 877-310-6560.

Homeowners whose policies do not cover damage completely may still be able to receive financial assistance. The Small Business Administration’s (SBA) Disaster Loan program is a resource for homeowners, renters, businesses and non-profit organizations whose flood-related property losses surpass their insurance coverage.  To learn more and apply for an SBA loan, visit


FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

 Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-3362 (voice, 711 or video relay service). TTY users can call 800-462-7585.

 The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters, which can cover the cost of replacing lost or disaster-damaged real estate and personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations.

Federal Emergency Management Agency / Virginia Department of Emergency Management

November 21, 2016
DR-4291-VA NR-15
News Desk: 540-686-2972

Be ready. Be willing to help.

Virginia Disaster Relief Fund