In a season marked by flooding across the commonwealth, country and world, Virginians can protect themselves from catastrophic losses due to floods from future storms.

September through mid-October is historically Virginia’s most active hurricane period, and the Atlantic hurricane season continues through Nov. 30. Conditions are still in place for an above-average hurricane season, according to the annual mid-season update from the National Oceanic and Atmospheric Administration Climate Prediction Center, a division of the National Weather Service.

Floods, not winds, are the most costly consequence of hurricanes. Flood insurance is the best way for residents to protect their property and the lives they’ve worked hard to build. There’s still time to get this coverage during this hurricane season.

Here’s what Virginians need to know about flood insurance:

—One inch of water in an average home can cause more than $25,000 in damages.

—Standard homeowner’s and renter’s polic...