🌍 ClimateRiskCheck

Natural Disaster Risk in Smithburg

West Virginia

3.8out of 10
Low Risk

Risk Summary for Smithburg

Smithburg scores 3.8/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Avalanche Hurricane

All 18 Hazard Scores

Landslide
9.1
Avalanche
8.2
Hurricane
5.8
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Ice Storm
3.2
Earthquake
3.1
Hail
2.8
Extreme Heat
2.6
Lightning
2.6
Winter Weather
2.3
Wildfire
2.2
Tornado
2.1
Strong Wind
1.9
Drought
1.7
Cold Wave
1.7
Riverine Flooding
1.0

How it compares

Smithburg
3.8
West Virginia avg.
5.0
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Below-average risk β€” standard coverage likely adequate

Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Smithburg, West Virginia

Smithburg is a small unincorporated community in Doddridge 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 Smithburg.

According to FEMA's National Risk Index, Smithburg carries an overall risk score of 3.8/10, placing it in the low category. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. The area also faces notable exposure to avalanche and hurricane.

Smithburg's risk score, slightly below the 5.0/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Doddridge County, the highest-scoring are landslide, avalanche, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Despite its lower-than-average risk classification, Smithburg is not immune to natural hazards. Basic preparedness β€” an emergency kit, awareness of seasonal risks, and property insurance that covers landslide β€” remains prudent for all residents.

What this means for Smithburg: 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 β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.

Local Factors for Smithburg

These city-level factors differentiate Smithburg from other communities in Doddridge County and provide geographic context for its hazard exposure.

Population

310

Rural

Geographic 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: 2.2/10

Coordinates

39.2965Β° N, 80.7168Β° W

Doddridge 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 Smithburg

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Smithburg

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.