🌍 ClimateRiskCheck

Natural Disaster Risk in Spurlockville

West Virginia

5.3out of 10
Moderate Risk

Risk Summary for Spurlockville

Spurlockville scores 5.3/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

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

Spurlockville
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 β€” 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: Spurlockville, West Virginia

Located in the interior eastern United States in Lincoln County, Spurlockville is a small community of about 774. The humid continental climate that characterizes this part of West Virginia β€” marked by cold winters, warm summers, and mountainous terrain that intensifies flooding β€” directly influences the types and severity of natural hazards present, making Spurlockville a community where hazard awareness has real practical value.

FEMA rates Spurlockville's composite natural disaster risk at 5.3 out of 10 β€” moderate risk. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. Residents should also account for avalanche and heat risk in their preparedness planning.

Relative to other U.S. communities, Spurlockville's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.0/10 state average. The hazard distribution here is led by landslide and avalanche, as measured by FEMA across Lincoln County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Spurlockville residents are well-served by maintaining standard preparedness practices β€” 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 Spurlockville: Landslide preparedness

  • 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.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Local Factors for Spurlockville

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

Population

774

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.1Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.5/10

Coordinates

38.1100Β° N, 81.9663Β° W

Lincoln 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 Spurlockville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Spurlockville

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.