Virginia
Insurance payments to repeatedly flooding Va. properties continue to rise • Virginia Mercury
When it comes to protecting against flooding, the National Flood Insurance Program is increasingly underwater in Virginia, especially in Hampton Roads.
A new analysis and online tool created by the Natural Resources Defense Council reveals that nearly 7,000 Virginia properties had repeated claims for flood damage over 10 years. And the program, administered by the Federal Emergency Management Agency, will keep paying out. Only 554 of those properties mitigated their flood risk through methods like basement filling, house raising, or replacing it with a structure that can better withstand flooding, according to the NRDC research.
“One of the most frustrating things about the flood rebuild model that we’re following in the United States is that there is currently no requirement for property owners to mitigate their property to reduce the likelihood of repeat flood damage,” said Mary-Carson Stiff, executive director of Wetlands Watch, a nonprofit based in Norfolk that helps create resilience and adaptation solutions.
In the past, FEMA has declined to provide details about flooded properties and while individual addresses are not included in the data, the new analysis includes key information about payouts, flood mitigation, and zip codes.
NRDC’s data shows that the number of repetitive loss properties continues to rise as storms grow more intense and more frequent in a warming world. They also illustrate the inadequacy of FEMA flood maps, which are updated infrequently and have relied on outdated data that looks back rather than forward at a hotter, wetter Virginia. But those maps continue to guide developers, engineers, banks, local land use officials, and homeowners when deciding where to build and finance a project.
“The cost of flooding is increasing every single year with every big storm event and small event,” Stiff said.
In Virginia, three-quarters of the repetitive loss properties are in Hampton Roads. Of those, 841 are severe repetitive loss properties, which have reported four or more claims of more than $5,000. The vast majority — 689 — have not been mitigated against future flooding. They accounted for 1% of the Virginia claims but 21% of the payments. According to NRDC, 10% of them are outside FEMA-designated flood zones. Nearly 3,000 of the properties whose owners have been paid claims in Virginia no longer have flood insurance.
Virginia Beach had 128 severe repetitive loss properties paid more than $20 million. That’s an average of more than $150,000 each. Of that, 114 were not mitigated. Norfolk had 125 severe loss properties paid $18 million with 93 not mitigated. Hampton had 110 properties paid $18.2 million with 91 not mitigated. Poquoson, a city of about 12,500 on a peninsula on the western shore of the Chesapeake Bay, had 50 severe risk loss properties paid nearly $6.6 million.
The NRDC data illustrates the co-dependent flood and payout cycle it calls “losing ground.”
In some cases, the damage payouts exceeded the property’s value. In Norfolk, one single family home received $173,736 over seven claims, but had a value of $104,400, according to the database. It was not protected against future flooding. A Virginia Beach home worth $149,400 received $243,502 in payments and while it’s still insured, it is not mitigated against flooding. A single-family home in Portsmouth, insured and mitigated against flooding, received $250,558 in two claims, but is worth $239,380. One Richmond property in the database, labeled non-residential, received nearly $1.4 million in payouts but has a value of $211,750. It is no longer insured or protected. An insured single-family home in Poquoson worth $155,300, according to the database, received five claims totaling $480,010.
The relatively new FEMA insurance rates, called Risk Rating 2.0, attempt to take a more realistic and equitable look at flood insurance. Most policyholders saw their premiums either drop or increase by no more than $10 per month in its first year. Under the law, no premium can increase by more than 18% annually.
But in a column last year, Chad Berginnis, executive director of the Association of State Floodplain Managers, agreed with Stiff that flood hazard mitigation measures needed to be credited and that FEMA needed to be clearer about which mix of mitigation would translate into reduced premiums.
“When we talk of the NFIP, we often talk about it as a four-legged stool: floodplain management, flood mitigation, floodplain mapping, and flood insurance,” he wrote. “However, it’s become clear to the floodplain management community that the new rating system has severed those first two legs and as a nation we still haven’t prioritized flood mapping the entire U.S. to better reflect flood risk.”
Stiff noted the present system leads to “the active bankrupting of the National Flood Insurance Program. We’re all on the hook to bail them out.”
Communities, she added, can track cumulative damage to a property and, when it reaches the FEMA threshold of more than 50% rebuilding, require the owners to bring it up to the latest flood protection standards. But that’s not an option Virginia cities have embraced.
“It is a higher standard that local governments can elect to use in their communities, and if they do, then they receive credit through the community rating system, which will lower flood insurance policies annually for every policyholder in the local government,” she added. “There are ways in which our communities can be proactive against this issue, but our communities are choosing not to take these additional measures because it’s politically unappetizing.”
The NRDC’s recommended solutions for the repeated payouts echo her comments and include:
- Update building codes and land use standards for development in floodplains.
- Ensure flood-risk maps are updated and account for future risk.
- Make flood insurance more affordable for low and moderate-income households.
- Give home buyers and renters the information to understand their risk.
Anna Weber, senior policy analyst for environmental health at the NRDC, noted that Virginia is one of many states that do not require sellers to disclose a property’s flood history. Only seven states require tenants to be notified, according to a new paper in the Journal of Land Use.
“Virginia is effectively a buyer-beware state,” she said. “There’s very little that you are guaranteed a right to in terms of that information. So, when we talk about flood disclosure, we think it’s important that people have a right to know not just what it says about your home on a FEMA flood insurance map, but what specifically has happened in the past at that property. Has it flooded before? Have there been flood insurance claims? How much did those claims cost? How many times has the home flooded?”
While Weber and others call the FEMA maps inadequate, they also note they are often out of date. They’re required to be updated every five years, but often are not. Norfolk’s map, for instance, has not been updated since 2017.
Flooding, Weber noted, has multiple causes that call for multifaceted solutions.
“Some of that looks like thinking hard about our land use choices. Some of that looks like improving and strengthening our building codes so that we’re building in a smarter way,” she said. “Some of that has to do with long-term community planning. What do we want our coastal communities to look like in 50 years?” she said. “In 100 years, we may not be able to live in the same places in the same ways as we have in the past.”
Michael Gerrard, the founder of the Sabin Center for Climate Change Law at Columbia University, recently published a paper examining the legal tools to combat what he called a growing crisis of urban flooding. He endorsed many of the same solutions proposed by the NRDC.
“It makes no sense to continue to rebuild the same house at government expense,” he said, adding that there needs to be a reckoning with the costs of the climate crisis”The overall problem is that people and governments are unwilling to pay for the cost that climate change is imposing,” he said. “And that will just get worse over time as the climate worsens.”
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Virginia
Virginia assistant principal, brother busted at airport over alleged disturbing ICE violence plot: ‘Penetrate the vests’
An assistant principal in Virginia and his brother were arrested at an airport while en route to Las Vegas where they allegedly wanted to meet with “like-minded individuals” and plan violence against Immigration and Customs Enforcement officers.
John Bennett, 54, and Mark Bennett, 59, were both busted at Norfolk International Airport on Wednesday — less than a week after they allegedly hatched the deranged anti-ICE plan, WTKR reported.
An off-duty officer with the Norfolk Police Department claimed he overheard the brothers four days earlier discussing “how ICE agents are kidnapping individuals and that they need to do something about it” while dining at a restaurant in Virginia Beach, according to a criminal complaint obtained by the outlet.
Mark Bennett allegedly told his brother about his intentions to fly to Las Vegas and meet with “like-minded” people to formulate “enforcement ideas and plans,” according to the complaint.
The elder brother also allegedly confessed that he had recently purchased an assault rifle specifically because “it utilizes the explosive rounds that are needed to penetrate the vests” worn by ICE agents, according to the complaint.
John Bennett, an assistant principal at Kempsville High School in Virginia Beach, piped up and said he wanted to tag along on the trip to Vegas and “go hunting,” as alleged in the complaint.
The complaint states that Mark Bennett bought a ticket to fly to Sin City on Wednesday. It’s unclear if his brother ever purchased one as well.
John Bennett was placed on leave following his arrest, WTKR reported.
He did take a one-year break from teaching and tried his hand at police work, according to his LinkedIn, before hanging up his badge and returning to teach high school mathematics.
The brothers are charged with one count of conspiracy to commit malicious wounding.
They were both granted bond after their arraignment on Thursday, 13 News Now reported.
Virginia
West Virginia could be getting bigger
West Virginia could soon see its borders shift for the first time in more than a century, as lawmakers weigh a proposal that would formally add new territory to the Mountain State.
State Senator Chris Rose said he is introducing a resolution to adopt several counties in neighboring Maryland and Virginia, including Amherst, Bedford, Botetourt, Floyd, Pulaski, and Rockbridge.
“Exciting update on our Appeal to Heaven movement for freedom in Appalachia! Due to overwhelming interest and support, I’m thrilled to announce we’ve expanded our Senate resolution inviting even more Virginia counties, along with counties from Maryland, to join West Virginia,” he wrote on X.
“Now including Amherst, Bedford, Botetourt, Floyd, Pulaski, and Rockbridge, counties that share our values of freedom, Second Amendment rights, and rural prosperity. Let those country roads take you home. Break free from out of touch policies and unite for a stronger future.”
Altogether, the resolution invites 27 Virginia counties to join the state of West Virginia, as well as three Maryland counties.
The initiative originally targeted only a handful of neighboring counties, but Rose says the scope widened after residents from deeper inside Virginia reached out, urging him to add their communities to the plan.
The proposal mirrors growing movements in other states, including California, Illinois and Oregon, for independent or merged states.
In California, organizers of the New California movement want to split the state, they say has become a “totalitarian one-party system” in two and create a new state. In Illinois, organizers of the New Illinois campaign want to do broadly the same thing.
Meanwhile, in Oregon, organizers behind the Greater Idaho campaign say they want to transfer more than a dozen rural Oregon counties into neighboring Idaho, arguing that their communities have little in common with the state’s liberal, urbanized western half.
Rural–Urban Divide Driving the Campaign
The same rural–urban divide underpins the push in West Virginia, where advocates say cultural and political differences have grown too wide to ignore.
A statement published by Senator Rose said the counties were selected based on their “geographic, economic, cultural, and historical connections with West Virginia, including a strong Appalachian heritage, rural lifestyles, and a focus on individual liberties.”
“This resolution is about empowering communities to choose governance that truly reflects their values and needs,” he added. “West Virginia was born from the spirit of self-determination, and we’re extending that invitation to our neighbors who share our way of life. By uniting, we can foster economic growth, better infrastructure, and a stronger voice for Appalachia.”
In an interview with ABC 13, Rose added that the movement is about residents in those counties, which lean Republican, having their voices heard.
“We want our voices to be heard, we want our vote in elections to matter,” he said.
Unlike Maryland, West Virginia is a solidly Republican state. As of August 2025, Republicans outnumber Democrats in registered voters by a significant margin. There are over 170,000 more registered Republicans than Democrats in the state. And the state has voted Republican in every presidential election since 2000.
Nonetheless, campaign organizers say politicians from Democrat leaning areas in the two states have too much influence.
“For too long, rural communities in Western Virginia and Western Maryland have been ruled by distant politicians in Richmond and Annapolis who don’t share our values,” campaign organizers said on their website.
In the 2024 presidential election, the Richmond metro area in Virginia voted decisively for the Democratic ticket. Richmond city itself gave 82 percent of its vote to the Democratic candidate. And Annapolis, Maryland, is strongly Democratic; in the 2025 mayoral election, Democrat Jared Littmann won with 74 percent of the vote.
For campaign organizers, that is a problem. “They restrict your Second Amendment rights, raise your taxes, indoctrinate your children, and funnel your hard-earned dollars into radical green experiments and government waste. Meanwhile, just across the border, West Virginia stands strong—defending freedom, faith, family, and the Constitution,” they said.
A Nearly Impossible Path Ahead
But the hurdle is steep. For any county to shift into West Virginia, lawmakers in each affected state would have to pass authorizing legislation, and Congress would then need to sign off on the boundary change.
For that reason, some lawmakers doubt that the campaign’s aims are realistic. “I wasn’t aware of it and it’s not going to happen,” Virginia Senator Tim Kaine told ABC13.
But Senator Rose is still optimistic. “If that would happen, West Virginia would be more than happy, willing and able to take the counties in and provide the freedom and representation they so much deserve,” he told ABC13.
“I would definitely take the frustration of your constituents seriously, because they feel like they are not being heard in their states,” he added.
Virginia
Penn State staff members to leave and join James Franklin at Virginia Tech before regular season ends
Multiple members of James Franklin’s original Penn State staff are leaving State College before the regular season ends to join their old boss at Virginia Tech. The Nittany Lions no longer list Associate Athletic Director – Chief of Staff Kevin Threlkel or General Manager of Personnel and Recruitment Andy Frank on their online athletics staff directory. BWI’s Sean Fitz first reported their departures on The Lions Den message board Wednesday morning. Both were anticipated departures as soon as Franklin took the Hokies job. But, they will not finish out the season under interim head coach Terry Smith.
Both Threlkel and Frank came to Penn State with Franklin back in 2014. At the time, Threlkel was the Director of Football Administration and Frank the Director of Player Personnel. Each has earned new titles over the last decade. But what hasn’t changed is their loyalty to Franklin and inclusion in his inner circle. For Threlkel, that dates back to the mid-2000s when he worked with Franklin at Kansas State and then Maryland before Vanderbilt. Frank, meanwhile, was on Franklin’s first Vanderbilt staff. Both left Nashville to come to State College when Franklin did. Now, both will follow him to Blacksburg.
The duo is the first but hardly the last members of the Penn State football program who will join Franklin at Virginia Tech. It will be interesting to follow Franklin’s first staff buildout at the ACC program. He will bring some more former Nittany Lions on- and off-field staff members with him, without question. Which ones, though, will likely be unclear until after the regular season ends.
Other former Penn State staff members no longer in the directory include:
Brett Arnold, Assistant Director of Player Relations
Chris Mahon, Recruiting Coordinator for Personnel
Rashad Elby, Assistant Recruiting Coordinator for Personnel
Aeneas Hawkins, Assistant Director of Player Advancement & Revenue Sharing Strategy
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