🌍 ClimateRiskCheck

Natural Disaster Risk in Hartfield

Virginia

4.8out of 10
Moderate Risk

Risk Summary for Hartfield

Hartfield scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Drought

All 18 Hazard Scores

Coastal Flooding
9.4
Hurricane
9.0
Drought
8.1
Tsunami
5.4
Ice Storm
5.3
Volcanic Activity
5.1
Earthquake
4.5
Strong Wind
4.5
Avalanche
4.5
Wildfire
4.0
Extreme Heat
3.8
Landslide
3.7
Tornado
3.3
Cold Wave
3.0
Hail
2.6
Lightning
2.6
Winter Weather
2.2
Riverine Flooding
1.0

How it compares

Hartfield
4.8
Virginia avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Hartfield, Virginia

Hartfield is a small community of about 1,879 in Middlesex County, along the mid-Atlantic coast. The area experiences hot, humid summers and four distinct seasons, with hurricane and nor'easter exposure shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Hartfield.

According to FEMA's National Risk Index, Hartfield carries an overall risk score of 4.8/10, placing it in the moderate category. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. The area also faces notable exposure to hurricane and drought.

Hartfield's risk score, near the 5.1/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Middlesex County, the highest-scoring are coastal flood, hurricane, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Hartfield residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.

What this means for Hartfield: Coastal Flooding preparedness

  • 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.
  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.

Local Factors for Hartfield

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

Population

1,879

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 37.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 4.0/10

Coordinates

37.5433Β° N, 76.4523Β° W

Middlesex 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 Hartfield

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hartfield

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.