Natural Disaster Risk in Virginia Beach
Virginia
Risk Summary for Virginia Beach
Virginia Beach scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Virginia Beach, Virginia
Virginia Beach, in Virginia Beach County, is a city of 75,061 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 Virginia Beach residents and property owners must navigate.
According to FEMA's National Risk Index, Virginia Beach carries an overall risk score of 6.0/10, 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 heat and hurricane.
Within Virginia, Virginia Beach's risk is, slightly above the 5.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Virginia Beach County identifies coastal flood as the foremost hazard, followed by heat and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Virginia Beach'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 Virginia Beach: 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 Virginia Beach
These city-level factors differentiate Virginia Beach from other communities in Virginia Beach County and provide geographic context for its hazard exposure.
Population
75,061
UrbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Mild Temperate
Latitude 36.8Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.1/10
Coordinates
36.7973Β° N, 76.1790Β° W
Virginia Beach 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 Virginia Beach
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Virginia Beach
Other cities in Virginia
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.