Hampton's Hazard Mitigation Loan Program

The City of Hampton allocated $2.5 million dollars for a revolving loan program for the purpose of mitigating loss related to flooding and natural hazards related to tropical storms, hurricanes, nor’easters, and rain events. This program is administered by the Hampton Redevelopment and Housing Authority (Authority) in conjunction with the Hampton Office of Emergency Management.

The City of Hampton Hazard Mitigation Loan Program (HMLP) is another city initiative authorized by the Hampton City Council to address community needs. Flooding is the most frequent and costly natural hazard in the United States. The majority of presidential disaster declarations result from natural events, in which flooding is a major component. Excess water from snowmelt, rainfall, or storm surge accumulates and overflows onto adjacent floodplains—lowlands adjacent to rivers, lakes, and oceans that are subject to recurring floods. While many floodplain boundaries are mapped by FEMA’s National Flood Insurance Program (NFIP), floods can go beyond the mapped floodplains or change courses due to natural processes (e.g., accretion, erosion, sedimentation) or human development (e.g., filling in floodplain or floodway areas, increased imperviousness within the watershed from new development, or waterway blockage from debris including trees, cars, trailers, and propane tanks).

The City of Hampton’s geographic location along Chesapeake Bay and Hampton Roads makes it extremely susceptible to coastal flooding. There are almost 11,500 parcels in the 100-year floodplain subject to inundation by a storm with a 1% chance of occurring in any given year. Storms associated with coastal flooding are well known to Hampton’s residents, and include hurricanes, tropical storms and nor’easters. These types of events typically drop large amounts of rain and generate high winds that result in storm surge along the coast and inland along the shorelines of many smaller rivers and creeks. Storm surge is caused by persistent high wind and changes in air pressure that push water toward the shore, and it can be particularly damaging to low-lying properties in this City when the storm surge occurs in conjunction with high tide. Undoubtedly, storm surge from the Bay and Hampton Roads represent the greatest flood threat in Hampton.

Flash flooding and urban flooding are also a concern within the city limits, when high rates of rainfall exceed the land’s ability to absorb the water. The City’s Department of Public Works constantly monitors and strives to improve the capability of infrastructure to minimize damage from this type of flooding.

If you would like more information about this program please check out the fact sheet about the program below: