Natural Disaster Risk in Terra Alta
West Virginia
Risk Summary for Terra Alta
Terra Alta scores 5.1/10 (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: Terra Alta, West Virginia
Terra Alta, in Preston County, is a town of roughly 4,175 residents situated along the mid-Atlantic coast. 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 Terra Alta residents and property owners must navigate.
According to FEMA's National Risk Index, Terra Alta carries an overall risk score of 5.1/10, 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 hurricane.
Within West Virginia, Terra Alta'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 Preston County identifies avalanche as the foremost hazard, followed by landslide and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Terra Alta 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 Terra Alta: 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 Terra Alta
These city-level factors differentiate Terra Alta from other communities in Preston County and provide geographic context for its hazard exposure.
Population
4,175
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.5Β°
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: 3.6/10
Coordinates
39.4504Β° N, 79.5603Β° W
Preston 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 Terra Alta
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Terra Alta
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.