🌍 ClimateRiskCheck

Natural Disaster Risk in Port Royal

Virginia

5.1out of 10
Moderate Risk

Risk Summary for Port Royal

Port Royal scores 5.1/10 (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
9.0
Hurricane
8.6
Drought
8.1
Earthquake
6.5
Landslide
6.4
Tsunami
5.4
Volcanic Activity
5.1
Extreme Heat
4.7
Lightning
4.5
Avalanche
4.5
Tornado
3.9
Hail
3.8
Strong Wind
3.7
Ice Storm
3.7
Winter Weather
3.5
Wildfire
2.9
Cold Wave
1.8
Riverine Flooding
1.0

How it compares

Port Royal
5.1
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: Port Royal, Virginia

Located along the mid-Atlantic coast in Caroline County, Port Royal is a small unincorporated community. The humid subtropical climate that characterizes this part of Virginia β€” marked by hot, humid summers and four distinct seasons β€” directly influences the types and severity of natural hazards present, making Port Royal a community where hazard awareness has real practical value.

FEMA rates Port Royal's composite natural disaster risk at 5.1 out of 10 β€” moderate risk. 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. Residents should also account for hurricane and drought risk in their preparedness planning.

Relative to other U.S. communities, Port Royal's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.1/10 state average. The hazard distribution here is led by coastal flood and hurricane, as measured by FEMA across Caroline County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Port Royal 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 Port Royal: Coastal Flooding preparedness

  • 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.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.

Local Factors for Port Royal

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

Population

460

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.1Β°

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: 2.9/10

Coordinates

38.1231Β° N, 77.1962Β° W

Caroline 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 Port Royal

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Port Royal

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.