ADAM GARRETT

Are you relying on FEMA maps alone for flood risk? You shouldn't be. In some cases, First Street models have properties in FEMA zone X that flooded during Hurricane Isabel in 2003, per First Street models. According to First Street, for FEMA's AE zone, which has at least 1% risk of flooding, some cities & counties in VA have a much lower number of properties in designated FEMA zone AE than there should be. Also, 1st Street has models of the likelihood of flooding across vario

Are you relying on FEMA maps alone for flood risk? You shouldn't be. In some cases, First Street models have properties in FEMA zone X that flooded during Hurricane Isabel in 2003 per First Street models. According to First Street, for FEMA's AE zone, which has at least 1% risk of flooding, some cities & counties in VA have a much lower number of properties in designated FEMA zone AE than there should be. Also, 1st Street has models of the likelihood of flooding across variou

Are you relying on FEMA maps alone for flood risk? You shouldn't be. In some cases, First Street models have properties in FEMA zone X that flooded during Hurricane Isabel in 2003 per First Street models. According to First Street, for FEMA's AE zone, which has at least 1% risk of flooding, some cities & counties in VA have a much lower number of properties in designated FEMA zone AE than there should be. Also, 1st Street has models of the likelihood of flooding across variou

Are you relying on FEMA maps alone for flood risk? You shouldn't be. In some cases, First Street models have properties in FEMA zone X that flooded during Hurricane Isabel in 2003 per First Street models. According to First Street, for FEMA's AE zone, which has at least 1% risk of flooding, some cities & counties in VA have a much lower number of properties in designated FEMA zone AE than there should be. Also, 1st Street has models of the likelihood of flooding across variou

Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Risk in 2041: Rare Event .2%+ Likely Probable Event 1%+ Likely Very Probable Event 5%+ Likely Regular Event 20%+ Likely Very Regular Event 50%+ Likely Projected Risk in 56: Rare Event .2%+

All images courtesy First Street Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Risk in 2041: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected

Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene 2018 Hurricane Florence Negligible Impact Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Risk in 2041: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely P

Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene Risk in 2026: Rare Event .2%+ Likely Probable Event 1%+ Likely Very Probable Event 5%+ Likely Regular Event 20%+ Likely Very Regular Event 50%+ Likely Projected Risk in 2041: Rare Event .2%+ Likely Probable Event 1%+ Likely Very Probable Event 5%+ Likely Regular Event 20%+ Likely Very Regular Event 50%+ Likely Projected Risk in 56: Rare Event

Community Risk (Richmond, VA) Infrastructure Risk (Richmond, VA) Social Risk (Richmond, VA) Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel Hurricane Florence 2018 No building affected in Richmond Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Risk in 2041: Rare Event .2% Likely Probable Event 1% Likely Very Probable Eve

The below are per First Street data, not FEMA. I believe that First Street is more accurate than FEMA: Basics for city/county per First Street: Gloucester County No Flood Adaptation Records First Street currently has no records of flood risk reduction projects near Gloucester County. Hurricane Isabel (2003) Hurricane Irene (2011) At least .2% annual risk (1/500 in a given year, 3/50 [6%] in 30 years) At least 1% annual risk (1/100 in a given year, 30/100 [30%] in 30 years) 5%

The below are per First Street data, not FEMA. I believe that First Street is more accurate than FEMA: Basics for city/county per First Street: Mathews County No Flood Adaptation Records First Street currently has no records of flood risk reduction projects near Gloucester County. Hurricane Isabel (2003) Hurricane Irene (2011) At least .2% annual risk (1/500 in a given year, 3/50 [6%] in 30 years) At least 1% annual risk (1/100 in a given year, 30/100 [30%] in 30 years) 5% or

Zip Code Risk Basics Community Impact & Flood History Flood Changes Anticipated Flood Risk Ranking & Trends; FEMA Zones & Insurance Compared to 1st Street Data Flood Protection Measures; Flood Sources At least .2% annual risk (1/500 in a given year, 3/50 [6%] in 30 years) At least 1% annual risk (1/100 in a given year, 30/100 [30%] in 30 years) Projected in 2056 - .2% or more annual risk Projected in 2056 - 1% or more annual risk Projected in 2056 - 5% or more annual risk

Zip Code Risk Basics Community Impact & Flood History Flood Changes Anticipated Flood Risk Ranking & Trends; FEMA Zones & Insurance Compared to 1st Street Data Flood Protection Measures; Flood Sources At least .2% annual risk (1/500 in a given year, 3/50 [6%] in 30 years) At least 1% annual risk (1/100 in a given year, 30/100 [30%] in 30 years) Projected in 2056 - .2% or more annual risk Projected in 2056 - 1% or more annual risk Projected in 2056 - 5% or more annual risk

Zip Code Risk Basics Community Impact & Flood History Flood Changes Anticipated Flood Risk Ranking & Trends; FEMA Zones & Insurance Compared to 1st Street Data Flood Protection Measures; Flood Sources At least .2% annual risk (1/500 in a given year, 3/50 [6%] in 30 years) At least 1% annual risk (1/100 in a given year, 30/100 [30%] in 30 years) Projected in 2056 - .2% or more annual risk Projected in 2056 - 1% or more annual risk Projected in 2056 - 5% or more annual risk

Community Risk Infrastructure Risk Social Risk Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene 2018 Hurricane Florence No buildings impacted Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Projected Risk in 2041: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Projected

Community Risk Infrastructure Risk Social Risk Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2011 Hurricane Irene Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Risk in 2041: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Ris

Community Risk Infrastructure Risk Social Risk Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene 2018 Hurricane Florence 0ft Max depth of flooding to building 0 Buildings impacted in Virginia Beach city 0 Total buildings impacted by event Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected

Community Risk Infrastructure Risk Social Risk Protections Images are the historic data maps based on a recreation of flooding events 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene 2018 Hurricane Florence Projected Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Risk in 2041: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regul

Community Risk Infrastructure Risk Social Risk Link to Norfolk protections as of 8/9/26 (3517 properties protected) Images are the historic data maps 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene 2018 Hurricane Florence Risk in 2026: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely Regular Event 20% Likely Very Regular Event 50% Likely Projected Risk in 2041: Rare Event .2% Likely Probable Event 1% Likely Very Probable Event 5% Likely

Community Risk Infrastructure Risk Social Risk No flood adaptation records as of 8/9/26 for the county. Images are the historic data maps 2003 Hurricane Isabel 2009: Nor-easter 2011 Hurricane Irene Risk in 2026: Very Regular Event 50% Likely Regular Event 20% Likely Very Probable Event 5% Likely Probable Event 1% Likely Rare Event .2% Likely Projected Risk in 2041: Very Regular Event 50% Likely Regular Event 20% Likely Very Probable Event 5% Likely Probable Event 1% Likely Ra