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  • psst … I’m a Realtor! Thanks for stopping by my website. I would love to help you find your dream home and community in the Hampton Roads or Williamsburg area or to sell your existing home. This website is authored by local resident and REALTOR, John Womeldorf. John is known around town as Mr. Williamsburg, for both his extensive knowledge of Hampton Roads and the historic triangle, and his expertise in the local real estate market. His websites, WilliamsburgsRealEstate.com and Mr Williamsburg.com were created as a resource for folks who are exploring a move to Williamsburg, VA , Hampton Roads VA and the surrounding areas of the Virginia Peninsula. On his website you can search homes for sale , foreclosures, 55+ active adult communities, condos and town homes , land and commercial property for sale in Williamsburg, Yorktown, New Kent, Poquoson, and Gloucester, VA as well as surrounding markets of Carrolton, Chesapeake,Gloucester, Hampton, Isle of Wight, Portsmouth Mathews, Newport News Norfolk, Poquoson, Smithfield, , Suffolk, Surry, Va Beach, Yorktown and York County Virginia You can reach John by email John@MrWilliamsburg.com or phone @ 757-254-813
  • RSS Colonial Williamsburg News

    • What Would George Say about Our Dis-United States? Perhaps “We’ve Been Here Before…”
      Political turmoil. Scathing media attacks. Mounting distrust—of our federal government, and of each other. Sound familiar? The challenges faced by the new American government in its first decade bore some similarities to what we face today. And they were no less alarming. The first generation of Americans after independence was flawed, divided, and prone to. […]
    • Winding Through History: The Governor’s Palace Maze
      The Governor’s Palace maze. It is a “must-see” when visiting Colonial Williamsburg, and millions have wound their way through its hedges since it opened in the 1930s. If you are a die-hard CW fan, chances are you’ve traipsed through it more than once. But what of its history? How it was created? What it takes to maintain...Read More »
    • Behind the Scenes: The Making of a Sea Witch
      In just a little more than a month, Sea Witches will arrive under a cloak of darkness to put a curse on our colonial capital several nights leading up to All Hallows’ Eve. They will terrorize guests in their quest for the severed head of the infamous and villainous pirate, Blackbeard. Once in their hands,...Read More »
    • Inside a Magical Colonial Williamsburg Wedding
      When I think of a classic and sophisticated Williamsburg wedding, my mind immediately goes to simplistic elegance. I’m talking greenery, white florals, and those simple southern touches. Jenny and Sean’s Williamsburg Inn wedding included all of that, and so much more! The couple, William & Mary alumni, met in college and decided to bring their...Read Mor […]
    • Hi-Ho, the Derry-O, the Farmer Takes a…Carpentry Job?
      A little more than a year ago, I began volunteering at Great Hopes Plantation and I’ve learned a lot about historic farming. Now, I’m learning new skills I can use as I farm: carpentry. Soon, the Carpenters will pack up from Great Hopes Plantation and move to their new (old) location in town near the site...Read More »
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    5524 Pennington Place

    5524 Pennington Place

    5524 Pennington Place

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Flood Zones in Hampton Roads Virginia

Question: I am thinking of purchasing a home in Hampton Roads, Virginia. I know that that are certain areas in Hampton, James City County, Norfolk, Chesapeake, Poquoson, York County and other nearby areas  are prone to flooding. How can I find out if a home I am interested in is in a flood zone ? How can I find out how much flood insurance will cost ? What are flood zones?


Flood zones are land areas identified by the Federal Emergency Management Agency (FEMA). Each flood zone describes that land area in terms of its risk of flooding. Everyone lives in a flood zone—it’s just a question of whether you live in a low, moderate, or high risk area.

How do I find out whether or not a property is at risk of flooding, and if it is, at what level?
Go to the website http://www.floodsmart.gov and fill out the Flood Risk Profile on the left hand site of the site.

 What is a Special Flood Hazard Area (SFHA)?
Land areas that are at high risk for flooding are called Special Flood Hazard Areas (SFHAs), or floodplains. These areas are indicated on Flood Insurance Rate Maps (FIRMs).

A home located within an SFHA has a 26 percent chance of suffering flood damage during the term of a 30-year mortgage.

What is a Non-Special Flood Hazard Area (NSFHA)?
A Non-Special Flood Hazard Area (NSFHA) is an area that is in a low-to-moderate risk flood zone (Zones B, C, X Pre- and Post-FIRM). An NSFHA is not in any immediate danger from flooding caused by overflowing rivers or hard rains.

However, it’s important to note that structures within a NSFHA are still at risk. In fact, one out of four floods occurs in an NSFHA! Get the facts before you decide that your property is not at risk.

Is there a special risk-rating procedure for coastal high hazard areas (V zones)?
Yes. When calculating the risk of a V zone property, the formula takes into account the ability of the building to withstand the impact of wave action.

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