🌍 ClimateRiskCheck

Natural Disaster Risk in Upperville

Virginia

6.9out of 10
High Risk

Risk Summary for Upperville

Upperville scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.

Top Hazards

Extreme Heat Winter Weather Lightning

All 18 Hazard Scores

Extreme Heat
9.2
Winter Weather
9.2
Strong Wind
8.9
Lightning
8.9
Hurricane
8.7
Avalanche
8.5
Earthquake
8.1
Hail
7.9
Tornado
7.8
Drought
7.7
Landslide
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.5
Ice Storm
3.9
Cold Wave
3.4
Riverine Flooding
1.0

How it compares

Upperville
6.9
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: Upperville, Virginia

Upperville, in Loudoun County, is a small community of about 635 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 Upperville residents and property owners must navigate.

Upperville's overall natural disaster risk is rated 6.9/10 (High) by FEMA's National Risk Index. The threat of extreme heat dominates the local risk profile, with the area experiencing heat waves that drive heat-related illness and place significant demand on energy infrastructure. Secondary hazards include winter and lightning.

Within Virginia, Upperville'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 Loudoun County identifies heat as the foremost hazard, followed by winter and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Upperville residents benefit from taking preparedness seriously. Reviewing insurance coverage for heat and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Upperville: Extreme Heat preparedness

  • Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
  • Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
  • Check on elderly neighbors and never leave children or pets in parked vehicles.

Local Factors for Upperville

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

Population

635

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.0Β°

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: 4.5/10

Coordinates

39.0014Β° N, 77.8787Β° W

Loudoun 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 Upperville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Upperville

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.