Natural Disaster Risk in Harts
West Virginia
5.3out of 10
Risk Summary for Harts
Average natural disaster risk for the United States. Standard homeowners insurance typically covers common hazards here.
Top Hazards
Landslide Avalanche Extreme Heat
All 18 Hazard Scores
Landslide 9.5
Avalanche 8.7
Extreme Heat 7.7
Wildfire 7.5
Hurricane 6.5
Ice Storm 5.9
Tsunami 5.4
Volcanic Activity 5.1
Coastal Flooding 4.9
Winter Weather 4.7
Earthquake 4.5
Lightning 4.0
Cold Wave 4.0
Strong Wind 3.3
Drought 3.3
Hail 3.2
Tornado 2.3
Riverine Flooding 1.0
How it compares
Harts 5.3
West Virginia avg. 5.0
US national avg. 4.5
Live Conditions
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🏠 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.
ZIP Codes in Harts
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.