Flood Insurance Cost in Newport News, Virginia
A directional look at flood insurance costs in Newport News. Use county-level FEMA NRI data and state market pressure to budget before you buy.
Newport News is in Newport News city, where FEMA's National Risk Index places flood exposure at Above the national median (top 29%) for flood exposure. That means many addresses in and around Newport News should budget for flood insurance regardless of whether the lender requires it.
FEMA flood zones are parcel-specific. A home two blocks away can sit in a different zone than its neighbor. The county percentile below is a market-level screen; the only way to know your exact zone is a FEMA NFHL point-in-polygon lookup for the specific address.
County-level composite · does not reflect parcel-specific conditions
County Flood Percentile
Above the national median (top 29% most at-risk)
FEMA NRI for Newport News city
State Market Pressure
Moderate
Virginia Property Insurance Association exposure up 12% since 2020
Est. Annual Premium Range
$1,700 – $3,400
Directional estimate only
Parcel-specific flood zone
What flood zone is my property in?
The free address snapshot checks FEMA NFHL polygons and returns the exact flood zone (A, AE, X, etc.) for any address in Newport News.
Flood insurance FAQ for Newport News
Check your specific address
Buying in Newport News?
Run a free address lookup to see the exact FEMA flood zone, NFHL panel, and a full climate risk report before you go under contract.
Based on state Department of Insurance filings, average annual premiums in this area range from $1,700 to $3,400. Not an insurance quote.