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Flood Insurance in Hampton Roads

Hello Hampton Roads,

One of the great things about living in Hampton Roads is that we are surrounded by water.  Being surrounded by water and being in an area that is not very high above sea level also means that there is higher propensity for flooding.  According CoreLogic, the Hampton Roads region (and Gloucester County and Currituck County) ranks 5th in the nation for storm surge damage. The 4 other areas in the country that have a greater risk are Miami, New York, Tampa and New Orleans.

For homes in a flood hazard area, flood insurance is a wise measure of protection and for anyone purchasing a home using a mortgage, it is required by the lender. However, once the mortgage is paid off, there is tendency by home owners to drop the coverage and more homes in Hampton Roads are without flood insurance than with it.  It's easy to see the temptation to save money on flood insurance, especially if one has never experienced the need for it, but FEMA says that the damage from just …

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