Natural Disaster Risk in Bunker Hill
West Virginia
Risk Summary for Bunker Hill
Bunker Hill scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
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: Bunker Hill, West Virginia
Bunker Hill is a town of roughly 9,618 residents in Berkeley County, along the mid-Atlantic coast. The area experiences cold winters, warm summers, and mountainous terrain that intensifies flooding, with flash flooding and winter storms 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 Bunker Hill.
FEMA rates Bunker Hill's composite natural disaster risk at 6.3 out of 10 β high risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for wind and avalanche risk in their preparedness planning.
Bunker Hill's risk score, slightly above the 5.0/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Berkeley County, the highest-scoring are hurricane, wind, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Bunker Hill'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 Bunker Hill: Hurricane preparedness
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
Local Factors for Bunker Hill
These city-level factors differentiate Bunker Hill from other communities in Berkeley County and provide geographic context for its hazard exposure.
Population
9,618
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.3Β°
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: 4.0/10
Coordinates
39.3163Β° N, 78.0530Β° W
Berkeley 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 Bunker Hill
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Bunker Hill
Other cities in West 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.