🌍 ClimateRiskCheck

Natural Disaster Risk in Kilmarnock

Virginia

5.2out of 10
Moderate Risk

Risk Summary for Kilmarnock

Kilmarnock scores 5.2/10 (Moderate risk), above 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
9.6
Hurricane
9.1
Drought
8.9
Strong Wind
8.7
Tsunami
5.4
Ice Storm
5.3
Volcanic Activity
5.1
Earthquake
4.7
Avalanche
4.5
Landslide
4.3
Extreme Heat
4.1
Cold Wave
3.8
Tornado
3.6
Winter Weather
3.2
Wildfire
3.0
Hail
2.4
Lightning
2.3
Riverine Flooding
1.0

How it compares

Kilmarnock
5.2
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: Kilmarnock, Virginia

Kilmarnock is a town of roughly 3,075 residents in Northumberland 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 Kilmarnock.

FEMA rates Kilmarnock's composite natural disaster risk at 5.2 out of 10 β€” moderate risk. 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. Residents should also account for hurricane and drought risk in their preparedness planning.

Kilmarnock's risk score, near the 5.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Northumberland 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, Kilmarnock 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 Kilmarnock: 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 Kilmarnock

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

Population

3,075

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 37.7Β°

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: 3.0/10

Coordinates

37.7372Β° N, 76.3525Β° W

Northumberland 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 Kilmarnock

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Kilmarnock

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.