🌍 ClimateRiskCheck

Natural Disaster Risk in Norfolk

Virginia

6.7out of 10
High Risk

Risk Summary for Norfolk

Norfolk scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Extreme Heat

All 18 Hazard Scores

Coastal Flooding
9.8
Hurricane
9.5
Extreme Heat
9.0
Lightning
8.9
Earthquake
8.1
Tornado
7.7
Strong Wind
7.5
Ice Storm
7.5
Winter Weather
7.4
Cold Wave
7.4
Hail
7.3
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Wildfire
4.1
Landslide
2.3
Drought
1.7
Riverine Flooding
1.0

How it compares

Norfolk
6.7
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: Norfolk, Virginia

Norfolk, in Norfolk County, is a city of approximately 30,216 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 Norfolk residents and property owners must navigate.

According to FEMA's National Risk Index, Norfolk carries an overall risk score of 6.7/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and heat.

Within Virginia, Norfolk'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 Norfolk County identifies coastal flood as the foremost hazard, followed by hurricane and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Norfolk's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Norfolk: 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 Norfolk

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

Population

30,216

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Mild Temperate

Latitude 36.9Β°

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: 4.1/10

Coordinates

36.9473Β° N, 76.2622Β° W

Norfolk 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 Norfolk

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Norfolk

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.