🌍 ClimateRiskCheck

Natural Disaster Risk in Chesterfield

Virginia

6.8out of 10
High Risk

Risk Summary for Chesterfield

Chesterfield scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Earthquake Hurricane

All 18 Hazard Scores

Coastal Flooding
9.2
Earthquake
9.1
Hurricane
9.1
Extreme Heat
8.8
Winter Weather
8.8
Ice Storm
8.6
Lightning
8.4
Tornado
8.0
Strong Wind
7.2
Drought
6.5
Tsunami
5.4
Landslide
5.3
Wildfire
5.1
Hail
5.1
Volcanic Activity
5.1
Avalanche
4.5
Cold Wave
1.8
Riverine Flooding
1.0

How it compares

Chesterfield
6.8
Virginia avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Chesterfield, Virginia

Chesterfield, in Chesterfield County, is a city of approximately 41,442 residents situated along the mid-Atlantic coast. Its humid subtropical climate brings hot, humid summers and four distinct seasons, and in particular hurricane and nor'easter exposure. These conditions collectively define the natural hazard environment that Chesterfield residents and property owners must navigate.

Chesterfield's overall natural disaster risk is rated 6.8/10 (High) by FEMA's National Risk Index. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Secondary hazards include earthquake and hurricane.

Within Virginia, Chesterfield's risk is, considerably above the 5.1/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Chesterfield County identifies coastal flood as the foremost hazard, followed by earthquake and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Chesterfield residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Chesterfield: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for Chesterfield

These city-level factors differentiate Chesterfield from other communities in Chesterfield County and provide geographic context for its hazard exposure.

Population

41,442

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.1/10

Coordinates

37.3944Β° N, 77.5949Β° W

Chesterfield County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Chesterfield

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Chesterfield

Other cities in Virginia

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.