Posts by Hal Jones

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Norfolk Vision 2100 and Long-Horizon Coastal Property Decisions: What Sellers Need to Know By Hal and Emmy Jones Norfolk Vision 2100 is the City of Norfolk’s long-horizon coastal resilience plan. Adopted in 2016 as part of the city’s Comprehensive Plan with an 80-year time frame, it represents one of the most comprehensive and publicly documented…

Rising Flood Insurance in Virginia Beach: FEMA Zones, Risk Rating 2.0, and Your Options By Hal and Emmy Jones Virginia Beach has the longest coastline of any city in the Hampton Roads metro and the largest population at coastal flood risk. Whether your home sits in a designated AE zone two miles inland or a…

Repetitive Loss Properties in Hampton Roads: Your Options When the Insurance Math Stops Working By Hal and Emmy Jones If your Portsmouth home has been designated by NFIP as a Repetitive Loss (RL) or Severe Repetitive Loss (SRL) property, you’ve already lived the reality. Multiple flood events. Multiple claims. Multiple cleanups. Multiple debates with adjusters…

Selling a Coastal Hampton Roads Home: Norfolk’s Sinking-City Reality and What It Means for Your Sale By Hal and Emmy Jones If you own a coastal home in Norfolk, Virginia Beach, Portsmouth, Hampton, or anywhere else along Hampton Roads‘ extensive shoreline, you’ve watched the trajectory shift over the past 10 to 20 years. The tidal…

Hampton Roads BAH, Tunnel-Side Decisions, and How Military Renters Affect Your Sale Math By Hal and Emmy Jones Hampton Roads has three structural features that shape every military home sale in the metro: Basic Allowance for Housing (BAH) rates that determine what active-duty buyers can afford, bridge-tunnel commutes that determine where they want to live,…

PCS Timeline Pressure: Why the 60-Day Window Can Force a Cash Sale By Hal and Emmy Jones PCS orders typically give 60 days from receipt to your report-by date at the new duty station. On paper, that sounds workable. In practice, by the time you factor in household-goods coordination, unit out-processing, family logistics, school records,…

VA Loan Assumption vs. Sale: What Active-Duty Servicemembers in Hampton Roads Need to Know By Hal and Emmy Jones If you have a VA loan on your Virginia Beach home and you’re getting ready to PCS, you’ve probably been told that VA loans are ‘assumable’ — and that someone who assumes your loan can keep…

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