State Risk Profile
Virginia VA
Virginia spans coastal flood exposure, inland heat, and flash-flood risk in mountain and metro communities alike.
Statewide Profile
- Population
- 8.7M
- Insurance Market
- Moderate Pressure
- Cities Profiled
- 6
- Last Reviewed
- 2026-06-06
Risk Summary
Virginia's risk profile includes tidal flooding in Hampton Roads, river and flash flooding inland, and increasing heat across major metros.
Coastal southeast Virginia carries the strongest flood burden, while inland cities and mountain areas face rain-driven flooding and heat.
Insurance Market
Insurance is generally available but more expensive in low-lying coastal areas and repeatedly flooded communities.
- Tidal flooding matters materially in Hampton Roads and nearby markets.
- Older housing and tree cover add storm recovery costs across Virginia.
Notable Events
Significant state-level events
Hurricane Matthew flooding
Flooding affected parts of coastal and southeastern Virginia.
Southwest Virginia flooding
Heavy rain underscored flood risk outside the coastal zone.
City Directory
6 cities profiled in Virginia
Alexandria
Alexandria city
Chesapeake
Chesapeake city
Newport News
Newport News city
Norfolk
Norfolk city
Richmond
Richmond city
Virginia Beach
Virginia Beach city
Location Reports
Active Address Risk Reports in Virginia
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in Virginia.