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Flood Zone Statement and Authorization - Virginia 2026

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The document is a Flood Zone Statement and Authorization that requires sellers to disclose whether the property is located in a flood-prone area as defined by the National Flood Insurance Act of 1968. Buyers acknowledge their awareness of the property's flood zone status and agree to obtain necessary flood hazard insurance if the property is later determined to be in a flood-prone area. The document includes sections for seller and buyer signatures, addresses, and dates.

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Click ‘Get Form’ to open the Flood Zone Statement and Authorization in the editor.
Begin by entering the property address in the designated field at the top of the form.
In the 'Statement by Sellers' section, check one of the three options that best describes the flood zone status of your property. Ensure you provide accurate information as per your knowledge.
If applicable, attach a copy of any survey or Flood Certification form that reflects the property's flood zone status, and indicate who prepared it in the provided space.
In the 'Statement by Buyers' section, acknowledge that you have been informed about the flood zone status by signing and dating where indicated.
Complete all address fields for both sellers and buyers, ensuring accuracy for future correspondence.

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Does Flood Zone AE require flood insurance in Virginia?

How much does flood insurance cost by flood zone? Flood zoneAverage annual rate A $1,015 A99 $653 AE $1,048 AH $6571 more row Apr 24, 2025

How to get flood insurance in Virginia?

You can purchase flood insurance from certain private insurers or get a policy from the National Flood Insurance Program (NFIP). While the decision to buy flood insurance in Virginia is a personal one, it is likely a wise investment for your property in the Old Dominion.

What does flood zone AE mean in Virginia?

Zone AE: Special Flood Hazard Areas subject to inundation by the 100-year flood determined in a Flood Insurance Study by detailed methods. Base flood elevations are shown within these zones. Mandatory flood insurance purchase requirements apply.

How much is flood insurance in an AE zone?

0:31 3:29 Level. However using fill dirt must be done carefully to prevent erosion. And ensure it doesntMoreLevel. However using fill dirt must be done carefully to prevent erosion. And ensure it doesnt increase flood risk to other properties. Another important aspect is obtaining an elevation certificate.

Is flood zone AE bad?

What flood zones require flood insurance? Normally, flood insurance is required by lenders for properties located within higher risk flood zones (AE, AH, AO and VE).

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Is flood insurance mandatory in Virginia?

Properties within the 100 year floodplain are required to have flood insurance if there is a federally backed mortgage. If your property is outside of the 100 year floodplain, FEMA still recommends property owners consider purchasing flood insurance as an inexpensive coverage against floods.

Flood Zone Statement and Authorization - Virginia 2026

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