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Virginia Statewide Rule

Virginia Floodplain Management and NFIP Coordination

Heavy RestrictionsApplies statewide across Virginia (2026)

Key Facts

State Coordinator
Virginia DCR
Statute
Va. Code 10.1-600
Building Code Reference
ASCE 24 via VUSBC
Federal Standard
44 CFR 60.3
Last verified: September 5, 2026Source: Virginia Legislative Information System

Summary

Virginia coordinates floodplain management statewide through DCR, requiring localities to adopt floodplain ordinances meeting National Flood Insurance Program minimums for residents to access federal flood insurance.

6. Make, in cooperation with localities, periodic inspections to determine the effectiveness of local flood plain management programs, including an evaluation of the enforcement of and compliance with local flood plain management ordinances, rules and regulations. 7. Coordinate with the United States Federal Emergency Management Agency to ensure current knowledge of the identification of flood-prone communities and of the status of applications made by localities to participate in the National Flood Insurance Program. 8. Establish guidelines which will meet minimum requirements of the National Flood Insurance Program in furtherance of the policy of the Commonwealth to assure that all citizens living in flood-prone areas may have the opportunity to indemnify themselves from flood losses through the purchase of flood insurance under the regular flood insurance program of the National Flood Insurance Act of 1968 as amended.

Source: Virginia Legislative Information SystemView official code

Full Breakdown

Va. Code Section 10.1-600 et seq. authorizes the Department of Conservation and Recreation as the state coordinator for the National Flood Insurance Program. Localities must adopt floodplain management ordinances meeting 44 CFR 60.3 standards to qualify residents for NFIP coverage. Section 10.1-603.2 grants localities authority to regulate development in special flood hazard areas. The Virginia Uniform Statewide Building Code (13VAC5-63) incorporates ASCE 24 flood-resistant construction requirements that supersede conflicting local construction rules.

Violations & Penalties

Construction in floodplains without local permits violates both the building code and floodplain ordinance, risking insurance ineligibility and federal disaster assistance limits.

Frequently Asked Questions

Does Virginia require flood insurance?
Virginia does not mandate flood insurance, but federally backed mortgages on properties in Special Flood Hazard Areas require it under federal law. Local ordinance compliance keeps NFIP eligibility.
Can my locality have stricter floodplain rules than the state?
Yes. Localities may exceed NFIP minimums (higher freeboard, larger setbacks). Construction standards still must comply with the Virginia Uniform Statewide Building Code.

Sources

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