Short answer: Arlington County's FEMA National Risk Index report ranks hazards for Arlington tracts. VPIA is the Virginia FAIR Plan.
This guide is general information for homeowners and drivers in the Arlington area (Arlington County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Arlington County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Arlington County
Look up FEMA's National Risk Index and the Arlington County report.
Federal disaster declarations in Arlington County
FEMA's disaster declarations data shows 13 major disaster declarations that included Arlington County since 1972, led by snowstorm events (4), severe storm events (4) and hurricane events (2). The most recent: Severe Winter Storm and Snowstorm, 2016, Hurricane Sandy, 2012, Severe Storms and Straight-Line Winds, 2012 and Severe Winter Storms and Snowstorms, 2010. FEMA also lists 6 emergency declarations for the county in the same data.
The July 2019 flash flood
On July 8, 2019, a Flash Flood Emergency brought record rainfall that damaged homes, businesses and public buildings across Arlington. The County Manager declared a local emergency that morning.
Check more than the FEMA map
Arlington's flood-risk guidance points beyond FEMA zones to the Virginia DCR FATHOM map and the county's RAMP inundation maps, which project flooding for 2040 and 2070. The same page says more than 40 percent of flood claims come from areas outside FEMA floodplains, and that risk can vary from property to property within the same neighborhood. Arlington takes part in the NFIP and its Community Rating System, so county residents can get a premium reduction. The county suggests adding contents coverage, a sewer-backup endorsement and a battery backup for sump pumps. Its preparation list centers on basements.
Residual market: VPIA
Hard-to-place properties can apply to VPIA, Virginia's FAIR Plan.
More for Arlington policyholders
Many residents live in condos or rentals—compare your HO-6 with the association's master policy, add loss assessment, and make sure renters coverage includes liability.
Auto: Virginia 50/100/25
For policies effective on or after January 1, 2025, Virginia DMV requires at least $50,000/$100,000 bodily injury and $25,000 property damage.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Virginia.
Frequently asked questions
What should Arlington condo owners check?
The master policy's deductible and coverage, plus loss-assessment coverage.
Is flash flooding covered?
Not by homeowners or renters policies; flood is separate.
What auto liability does Virginia require?
50/100/25.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.