🌍 ClimateRiskCheck

Natural Disaster Risk in Stephenson

West Virginia

5.2out of 10
Moderate Risk

Risk Summary for Stephenson

Stephenson scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Cold Wave

All 18 Hazard Scores

Avalanche
9.6
Landslide
9.5
Cold Wave
7.9
Wildfire
7.8
Hurricane
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Earthquake
4.8
Lightning
4.7
Winter Weather
4.5
Strong Wind
3.6
Ice Storm
3.4
Hail
3.1
Extreme Heat
2.6
Drought
2.5
Tornado
2.0
Riverine Flooding
1.0

How it compares

Stephenson
5.2
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: Stephenson, West Virginia

Stephenson, in Wyoming County, is a small community of about 803 situated in the interior eastern United States. Its humid continental climate brings cold winters, warm summers, and mountainous terrain that intensifies flooding, and in particular flash flooding and winter storms. These conditions collectively define the natural hazard environment that Stephenson residents and property owners must navigate.

According to FEMA's National Risk Index, Stephenson carries an overall risk score of 5.2/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to landslide and cold wave.

Within West Virginia, Stephenson's risk is, near the 5.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Wyoming County identifies avalanche as the foremost hazard, followed by landslide and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Stephenson 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 avalanche is recommended.

What this means for Stephenson: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
  • Be aware of slope angles and recent snow loading, which drive avalanche risk.

Local Factors for Stephenson

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

Population

803

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 7.8/10

Coordinates

37.5548Β° N, 81.3413Β° W

Wyoming 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 Stephenson

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Stephenson

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.