Natural Disaster Risk in Saint Stephens Church
Virginia
Risk Summary for Saint Stephens Church
Saint Stephens Church scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Saint Stephens Church, Virginia
Saint Stephens Church is a small community of about 1,471 in King and Queen 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 Saint Stephens Church.
FEMA rates Saint Stephens Church's composite natural disaster risk at 4.4 out of 10 — moderate risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for coastal flood and hurricane risk in their preparedness planning.
Saint Stephens Church's risk score, slightly below 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 King and Queen County, the highest-scoring are drought, coastal flood, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Saint Stephens Church's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that drought exposure is adequately protected is a worthwhile step for property owners.
What this means for Saint Stephens Church: Drought preparedness
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
Local Factors for Saint Stephens Church
These city-level factors differentiate Saint Stephens Church from other communities in King and Queen County and provide geographic context for its hazard exposure.
Population
1,471
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.8/10
Coordinates
37.8426° N, 77.0622° W
King and Queen 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 Saint Stephens Church
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Saint Stephens Church
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.