I think you left out a “U” LOL
No, I didn’t really. My Grandmother was born in the Tidewater in 1890; and she raised me. She died in 1985, as one of the very last of the old ladies who had that old accent.
She pronounced it like ‘Naaw-fk’, very slowly on the first syllable, and very quickly on the ‘fk’, in the Southern way, with the accent on the first syllable. You don’t really hear the ‘u’.
And, if you look online, they will tell you that it’s pronounced ‘NorFk’; but that’s not how our old folks pronounced it, and I’d bet that most of the old natives who are left down there don’t pronounce it that way, either.
It’s ‘Naawfk’.
Here’s something interesting; (scroll down to Norfolk):
http://cohp.org/va/notes/placenames_pronunciation.html