Check YOUR Exact Address in Chesapeake
Chesapeake, VA Flood Zone Map
Is Chesapeake in a flood zone? Yes -- about 21% of its mapped area is in a FEMA high-risk flood zone (Special Flood Hazard Area). FEMA NFHL data shows the mapped zone breakdown below. FEMA OpenFEMA NFIP Redacted Claims v3 records 5,929 claims in Virginia since 2016; 21% of all recorded Virginia claims are outside high-risk zones (claims data fetched 2026-10-06).
Sources: FEMA NFHL; US Census TIGERweb; FEMA OpenFEMA NFIP Redacted Claims v3.
Data as of Oct 6, 2026 (FEMA OpenFEMA NFIP claims)
Published by checkmyfloodzone.com. Last updated: .
- High risk
- Moderate
- Lower risk
- Not mapped
Flood Zone Breakdown for Chesapeake
About 21% of the mapped area in Chesapeake falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:
- AE 14% Zone AE
- A 6% Zone A
- VE 1% Zone VE
- X 77% Zone X
- OPEN WATER 1% Zone OPEN WATER
Mapped Waterways Near Chesapeake
FEMA NFHL mapped zones: A, AE, AH, AO, OPEN WATER, VE, X; US Census TIGERweb water features: Western Branch Elizabeth Riv, Mains Crk, Northwest Cnl.. The FEMA NFHL fixture maps zones A, AE, AH, AO, OPEN WATER, VE, X within the Chesapeake, Virginia area. US Census TIGERweb maps Western Branch Elizabeth Riv, Mains Crk, Northwest Cnl in the same extent. These layers describe area-wide patterns; check an exact address for a property-level flood-zone result.
- Western Branch Elizabeth Riv
- Mains Crk
- Northwest Cnl
- Lake Drummond Cnl
- Broad Crk
- Northwest Riv
- Feeder Ditch
- Laurel Ditch
Flood Zone Details for Chesapeake
| Zone | Risk level | Area | Insurance |
|---|---|---|---|
| AE | High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year. | 14% | Flood insurance is typically required for federally backed mortgages. |
| A | High-risk flood zone without a detailed BFE study. About a 1-in-100 chance of flooding each year. | 6% | Flood insurance is typically required for federally backed mortgages. |
| VE | Coastal high-hazard zone with wave action. This is the highest-risk designation -- expect storm surge plus breaking waves. | 1% | Flood insurance is required for federally backed mortgages and is especially important here. |
| X | Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones. | 77% | Flood insurance is not required but may still be a smart choice -- nearly one-third of flood claims (29% over 2014-2024) come from lower-risk areas. |
| OPEN WATER | Flood zone as mapped by FEMA. | 1% | Consult your lender and local floodplain office. |