Natural Disaster Risk in Four States
West Virginia
Risk Summary for Four States
Four States scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.
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: Four States, West Virginia
Four States is a small unincorporated community in Marion County, in the interior eastern United States. 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 Four States.
FEMA rates Four States's composite natural disaster risk at 5.5 out of 10 — moderate risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for avalanche and hail risk in their preparedness planning.
Four States'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 Marion County, the highest-scoring are landslide, avalanche, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Four States 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 landslide is recommended.
What this means for Four States: Landslide preparedness
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage — ask about specialized coverage.
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
Local Factors for Four States
These city-level factors differentiate Four States from other communities in Marion County and provide geographic context for its hazard exposure.
Population
114
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.9/10
Coordinates
39.4871° N, 80.3197° W
Marion 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 Four States
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Four States
Other cities in West 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.