Does Chesterfield Heights flood?
Chesterfield Heights, Norfolk, VA · ZIP code 23504: the ZIP code on 21 of the 21 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Chesterfield Heights have filed flood claims. About 28% of Chesterfield Heights’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 21 claims from the Census block groups that cover Chesterfield Heights, from 1999 through 2016. 19 of them received a payment, totaling $246,285 (not adjusted for inflation). The busiest years were 2009 (7 claims), 2011 (6 claims), 2003 (3 claims).
What this page counts as Chesterfield Heights
We could not find an openly licensed official boundary for Chesterfield Heights, so this page uses a census-based area. For this page, Chesterfield Heights means the 2010 Census block groups whose center lies inside the National Register of Historic Places boundary of the Chesterfield Heights Historic District (National Park Service) and inside the Norfolk city limits (U.S. Census Bureau). Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Chesterfield Heights. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Chesterfield Heights
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Chesterfield Heights
The named streets in Chesterfield Heights, longest first, with how much of each street’s length inside Chesterfield Heights lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Chesterfield Heights; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| I-264 | 2.3 mi | 0.0% | X (unshaded, minimal) (100%) |
| Kimball Ter | 2,820 ft | 49% | X (shaded, 0.2% annual chance) (51%) |
| Marlboro Ave | 1,650 ft | 12% | X (shaded, 0.2% annual chance) (88%) |
| Norchester St | 1,590 ft | 11% | X (shaded, 0.2% annual chance) (76%) |
| Chesterfield Blvd | 1,360 ft | 91% | AE (91%) |
| Strathmore Ave | 1,320 ft | 0.0% | X (unshaded, minimal) (82%) |
| Victoria Ave | 1,240 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Stanhope Ave | 1,110 ft | 57% | AE (57%) |
| Forbes St | 710 ft | 33% | X (unshaded, minimal) (40%) |
| Thayor St | 690 ft | 86% | AE (86%) |
| Kimball Loop | 660 ft | 100% | AE (100%) |
| Majestic Ave | 580 ft | 38% | X (shaded, 0.2% annual chance) (62%) |
| Earlscourt Ave | 500 ft | 0.0% | X (unshaded, minimal) (85%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved November 5, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Chesterfield Heights
Share of Chesterfield Heights’s mapped area (about 0.668 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 8 to 9 feet. Effective date of the FIRM panel(s) covering it (5100340008D, 5100340009D, 5101040057H, 5101040059H, 5101040076H, 5101040078H, 5155310076F, 5155310078G): May 4, 2009, December 16, 2014, January 16, 2015, February 17, 2017.
| FEMA zone | Share of area |
|---|---|
| X (unshaded, minimal) | 50% |
| AE | 28% |
| X (shaded, 0.2% annual chance) | 22% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Chesterfield Heights. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1990s | 1 | $0 |
| 2000s | 10 | $152,633 |
| 2010s | 10 | $93,652 |
By year of loss
Named flood events with the most claims
- November 2009 Nor'easter: 7 claims
- Hurricane Irene: 6 claims
- Hurricane Isabel: 3 claims
- Hurricane Sandy: 2 claims
- Hurricane Floyd: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 18
- X/B/C (moderate or minimal): 3
How much is flood insurance in Chesterfield Heights?
The typical National Flood Insurance Program policy on single-family homes in Chesterfield Heights costs $810 a year: the median of 44 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $682 and $1,006. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed November 5, 2026.
Why home insurance costs what it does in Chesterfield Heights
This section is educational and is not insurance advice.
Flood insurance
ZIP codes do not follow neighborhood lines. This is a ZIP code on at least 5% of the flood claims counted for Chesterfield Heights, within 10 km of it.
- ZIP code 23504: the median National Flood Insurance Program policy cost for single-family homes was $704 a year, the middle of 265 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $552 and $953. These policies are priced under Risk Rating 2.0.
- ZIP code 23504: NFIP records list 283 flood claims with a loss year from 1982 through 2020. The claims dataset is as of September 8, 2026.
Fire and wind
- USDA Forest Service Wildfire Risk to Communities gives Norfolk, VA a Risk to Homes national percentile rank of 0.373, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Chesterfield Heights alone. The summary file is dated April 15, 2026.
What to ask your agent
- Ask the agent how old the roof is.
- Ask whether a wind-mitigation discount is available for this house.
- Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy.
- Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated.
- Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Flood coverage and the 30-day wait: FEMA fact sheet, Jan. 21, 2025; 44 CFR 61.11.
What do NFIP records show for flood insurance in Chesterfield Heights?
ZIP code 23504: the median National Flood Insurance Program policy cost for single-family homes was $704 a year, the middle of 265 policies that started between September 1, 2025 and August 31, 2026. Half of them cost between $552 and $953. These policies are priced under Risk Rating 2.0. ZIP code 23504: NFIP records list 283 flood claims with a loss year from 1982 through 2020. The claims dataset is as of September 8, 2026.
What do public fire and wind records show for Chesterfield Heights?
USDA Forest Service Wildfire Risk to Communities gives Norfolk, VA a Risk to Homes national percentile rank of 0.373, which its methods call Low (below the 40th percentile). That is the city rating, not a rating of Chesterfield Heights alone. The summary file is dated April 15, 2026.
What should I ask an insurance agent about a home in Chesterfield Heights?
Ask the agent how old the roof is. Ask whether a wind-mitigation discount is available for this house. Ask how flood coverage differs from the homeowners policy. A standard homeowners policy does not cover flood. Flood coverage is a separate policy. Ask whether the policy has a separate hurricane or windstorm deductible, and how that deductible is calculated. Ask when coverage would start. A new National Flood Insurance Program policy generally takes effect 30 days after purchase.
Sources: OpenFEMA NFIP Redacted Policies v3; OpenFEMA NFIP Redacted Claims v3; USDA Forest Service, Wildfire Risk to Communities, community summaries; Wildfire Risk to Communities methods.
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Before you rent or buy in Chesterfield Heights
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Chesterfield Heights
Flood maps are only one part of choosing a neighborhood. To compare Chesterfield Heights with other Norfolk neighborhoods on more than flooding, see Norfolk on StrollPlace.
Buyer and renter FAQ
Does Chesterfield Heights flood?
Yes. Insured properties in and around Chesterfield Heights have filed flood claims. About 28% of Chesterfield Heights’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. NFIP flood insurance records list 21 claims from the Census block groups that cover Chesterfield Heights, from 1999 through 2016. 19 of them received a payment, totaling $246,285 (not adjusted for inflation). The busiest years were 2009 (7 claims), 2011 (6 claims), 2003 (3 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Chesterfield Heights in a flood zone?
About 28% of Chesterfield Heights’s mapped area is inside FEMA’s Special Flood Hazard Area; the rest is in moderate or minimal-hazard Zone X. Shares by zone: X (unshaded, minimal) 50%; AE 28%; X (shaded, 0.2% annual chance) 22%. The FIRM panel(s) covering it took effect May 4, 2009, December 16, 2014, January 16, 2015, February 17, 2017.
Which streets in Chesterfield Heights are in a high-risk flood zone?
Most of the length of Chesterfield Blvd, Stanhope Ave, Thayor St and Kimball Loop lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of I-264, Strathmore Ave, Victoria Ave and Earlscourt Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Chesterfield Heights in?
Chesterfield Heights is in Norfolk, VA. ZIP code 23504: the ZIP code on 21 of the 21 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Chesterfield Heights?
The typical NFIP flood insurance policy on single-family homes in Chesterfield Heights cost $810 a year: the median of 44 policies that started between September 1, 2025 and August 31, 2026. Half cost between $682 and $1,006. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Chesterfield
- Does Ingleside flood?
- Does Brambleton flood?
- Does Campostella flood?
- Does Huntersville flood?
- Ballentine Place
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved November 5, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for City of Norfolk (county code 51710), dataset as of September 8, 2026, retrieved November 5, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 517100046001. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on November 5, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on November 5, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups, National Park Service, National Register of Historic Places boundaries (NRHP polygons) and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- OpenFEMA NFIP Redacted Policies v3.
- OpenFEMA NFIP Redacted Claims v3.
- USDA Forest Service, Wildfire Risk to Communities, community summaries.
- Wildfire Risk to Communities methods.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and November 5, 2026 (flood zones). Page last updated November 5, 2026.