Natural Disaster Risk in Stephenson
West Virginia
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
All 18 Hazard Scores
How it compares
Live Conditions
π 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
RuralGeographic 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
Notable Weather Days (last 12 months)
ZIP Codes in Stephenson
Other cities in West Virginia
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.