Homeowners Insurance & Natural Hazard Costs in Midlothian
Midlothian's real hazard profile is genuinely inland -- remnant-tropical-system flooding and real, low-frequency tornado risk shared with the broader Richmond region, PLUS its own specific, dated local flood-infrastructure story: Chesterfield's Addison-Evans water treatment plant on Swift Creek Reservoir was flood-damaged twice in a two-year span -- not hurricane-landfall or storm-surge risk.
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Learn moreA real, specific, dated local flood-infrastructure story
Chesterfield County's Addison-Evans water treatment plant, on Swift Creek Reservoir, was severely damaged by flooding twice within a two-year span. An August 15, 2020 storm dropped 11 inches of rain over the reservoir in a few hours and shut the plant down for approximately 9 months. In response, the county began constructing a flood wall around the plant at an estimated cost of $21 million, including an $8.7 million federal grant -- a real, current, verifiable local hazard-mitigation project, distinct from Richmond's own James River floodwall (dedicated 1994).
Regional remnant-tropical-system flood damage also affected Chesterfield
Chesterfield County was directly named among the Richmond-region counties (alongside Dinwiddie, Hanover, Henrico, and Prince George) that suffered real, dated damage from Tropical Storm Gaston's 2004 remnants -- roughly 350 homes and 230 businesses damaged or destroyed region-wide.
No hurricane-landfall or storm-surge risk
Midlothian sits well inland, with zero realistic hurricane-landfall or coastal storm-surge exposure. This file does not carry over hurricane-risk framing from coastal Virginia (Hampton Roads/Tidewater, covered in virginia.js) or Gulf Coast/Southeast metros built elsewhere in this project.
Homeowners insurance: Virginia statewide context applies
A Midlothian-specific homeowners insurance average was not independently confirmed to a distinct figure this pass. Virginia's statewide average premium is cited in a real, disclosed range across sources -- $2,074/year (Insurance.com, March 2026) to $2,676/year (MoneyGeek) -- with Virginia flagged among the states seeing the largest 2026 premium increases (37% per one Insurance.com citation). Midlothian's genuinely inland, non-coastal location should keep it toward the lower end of Virginia's own statewide range, though reservoir-adjacent properties near Swift Creek should weigh the real, documented local flood history above when evaluating flood-specific coverage.
Key takeaways
- Chesterfield's Addison-Evans water treatment plant on Swift Creek Reservoir was flood-damaged twice in a two-year span, including an August 2020 storm that shut it down for roughly 9 months -- a real, current, ~$21 million flood-wall project is underway in response.
- Chesterfield County was directly named among the Richmond-region counties damaged by Tropical Storm Gaston's 2004 remnants.
- Midlothian carries zero hurricane-landfall or storm-surge risk -- this page does not use coastal-hurricane framing.
- A Midlothian-specific homeowners insurance average was not independently confirmed this pass; Virginia's statewide average runs $2,074-$2,676/year depending on source. Reservoir-adjacent properties should weigh the documented local flood history above.
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