Hurricanes do not wait until you are ready. If you own a home in Isle of Wight County, you know how fast tides, wind, and power outages can turn a routine storm into a real threat. You want a simple, local checklist that helps you protect your property and your family. Below you’ll find clear, Isle of Wight specific steps to take before, during, and after a storm, plus trusted links and local resources. Let’s dive in.
Information current as of October 12, 2025. Check NOAA, FEMA, and Isle of Wight County channels for updates as conditions change.
Why preparation matters in Isle of Wight
Atlantic hurricane season runs June 1 to November 30, with peak activity in mid August through October. The current outlook points to elevated odds of an above normal season, so staying storm ready is smart for every household. See the latest seasonal outlook from NOAA’s ocean and atmospheric team at the Atlantic hurricane season outlook.
Local risk varies by neighborhood. Low lying areas near the James River, Pagan River, and tidal creeks face storm surge and tidal flooding, while inland areas can flood from heavy rain. Wind and downed trees often lead to multi day power outages across the county. FEMA is updating flood maps for Isle of Wight, so it’s important to verify your current flood risk and track any map changes. You can read about the mapping update in FEMA’s Isle of Wight flood map press release.
Pre season checklist
1) Know your address specific risk
- Look up your property’s flood zone on FEMA’s Flood Map Service Center and save a FIRMette for your records.
- Confirm your Virginia evacuation zone (A–D) with the state’s Know Your Zone tool. Local orders will reference these zones.
2) Review insurance and key documents
- Standard homeowners insurance does not cover flood damage. If you need flood insurance, learn about NFIP coverage and the typical 30 day waiting period at FloodSmart.
- Photograph your home and belongings, store receipts and important documents in the cloud, and keep copies in a waterproof folder.
3) Harden your home
- Roof and gutters: fix loose shingles and flashing, clean gutters, and direct downspouts away from your foundation.
- Trees and yard: remove dead limbs and secure loose items like furniture, grills, and playsets.
- Openings: plan for shutters or pre cut plywood and reinforce your garage door. Test sump pumps and consider backflow protection if you have a history of backups.
4) Plan for power and outages
- Save your electric provider’s outage reporting info and download the app. Dominion customers can use the tips and tools on Dominion Energy’s storm preparation page.
- If you use a generator, talk with a licensed electrician about a safe transfer switch. Never backfeed a home’s circuits.
5) Build your kit and family plan
- Stock at least 72 hours of water and nonperishable food, plus medications, flashlights, batteries, a battery powered NOAA radio, chargers, cash, and a first aid kit. VDEM offers checklists at Stay Informed.
- Set a family communication plan with an out of area contact, and plan for pets. Public shelters may have limited pet capacity, so line up alternatives early.
6) Buyer and seller tips
- Buyers: check the current FEMA map for the address, review any Elevation Certificate, and confirm whether your lender will require flood insurance.
- Sellers: gather documents on prior storm repairs or mitigation. Photos, receipts, and any elevation or NFIP policy history help buyers feel confident.
When a storm is forecast
If officials advise evacuation
- Follow your zone specific guidance using Virginia’s Know Your Zone. Leave early if told to evacuate and bring your go bag, documents, medications, and pet supplies.
- Use recommended routes toward higher ground and regional shelters. The county will announce open shelters and any pet policies as the situation develops.
Last minute home prep
- Bring in or secure outdoor items. Park vehicles on higher ground and away from trees.
- If flooding is possible, move valuables to higher levels. Unplug electronics; shut off utilities only if officials advise or if your home is flooding.
During the storm
- Stay indoors and away from windows. Do not drive through standing water; turn around, do not drown.
- Treat every downed line as live and report it to your utility.
- Run generators outdoors at least 20 feet from doors and windows. The CDC explains safe use and re entry steps at its re entering your home after a flood guide.
After the storm
First safety checks
- Wait for the official all clear before returning. Walk the exterior first, watching for downed lines and structural damage. If the structure looks unsafe, have a pro check it before going inside.
Document and start claims
- Photograph and video all damage before cleanup. Contact your insurer promptly. If you have NFIP coverage, follow your flood policy’s claim steps and keep all receipts.
Cleanup and health
- Floodwater can contain sewage and chemicals. Wear protective gear during cleanup and ventilate well. Mold can start within 24 to 48 hours; the EPA outlines safe steps at its flood cleanup and indoor air page.
- Do not use household circuits until an electrician confirms they are safe if water reached outlets or panels. Keep generators outside and use CO alarms.
Assistance and next steps
- If a federal disaster is declared, you may be able to apply for FEMA Individual Assistance. Local nonprofits and county programs often provide immediate help while you work with insurance.
Local quick links and actions
- Check your evacuation zone: Know Your Zone A–D
- View your FEMA flood map: Flood Map Service Center
- Track flood map updates: FEMA press release for Isle of Wight
- Prep for power outages: Dominion Energy storm preparation tips
- Build your emergency kit: VDEM Stay Informed
- Sign up for local alerts: learn about IWAlert in this local update from The Tidewater News
- Understand flood insurance basics: FloodSmart
- Re entry and generator safety: CDC guidance
- Mold and cleanup health tips: EPA flood cleanup
Ready to make a plan that protects your home value and your peace of mind this season? If you are buying or selling in Isle of Wight, we can help you evaluate flood maps, coordinate contractors, and prepare your property to shine in any season. Reach out to ELG CONSULTING GROUP to get started.
FAQs
Do I need flood insurance in Isle of Wight if I’m not in a high risk zone?
- Flooding can happen anywhere, and many claims come from outside high risk areas. Use FEMA’s Flood Map Service Center to check your address and discuss NFIP options with your insurance agent.
How long does new flood insurance take to start?
- NFIP policies typically have a 30 day waiting period for new coverage to take effect, so plan ahead. Learn more at FloodSmart.
How do I find my evacuation zone and route in Virginia?
- Use the state’s Know Your Zone lookup to see your A–D zone and follow official guidance for routes and timing.
What are the safest generator practices during and after a storm?
- Always run generators outside at least 20 feet from doors and windows, use CO alarms, and have a licensed electrician install a transfer switch. See the CDC’s re entry and generator safety.
Who helps with cleanup and temporary needs after a major storm?
- Your homeowners and flood insurance are primary. If a federal disaster is declared, FEMA Individual Assistance may be available, and local nonprofits can help with immediate needs while claims are processed.
