Natural Disaster Risk in White Stone
Virginia
Risk Summary for White Stone
White Stone scores 4.8/10 (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: White Stone, Virginia
Located along the mid-Atlantic coast in Lancaster County, White Stone is a small community of about 2,353. The humid subtropical climate that characterizes this part of Virginia — marked by hot, humid summers and four distinct seasons — directly influences the types and severity of natural hazards present, making White Stone a community where hazard awareness has real practical value.
White Stone's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include coastal flood and hurricane.
Relative to other U.S. communities, White Stone's natural disaster risk is near the U.S. national average of 4.5/10, near the 5.1/10 state average. The hazard distribution here is led by drought and coastal flood, as measured by FEMA across Lancaster County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, White Stone residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.
What this means for White Stone: Drought preparedness
- 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.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Local Factors for White Stone
These city-level factors differentiate White Stone from other communities in Lancaster County and provide geographic context for its hazard exposure.
Population
2,353
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 37.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.9/10
Coordinates
37.6506° N, 76.3627° W
Lancaster 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 White Stone
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in White Stone
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.