🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 20132

Purcellville, Virginia

6.9out of 10
High Risk

Risk Summary for ZIP 20132

ZIP 20132 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.

Top Hazards

Extreme Heat Winter Weather Lightning

All 18 Hazard Scores

Extreme Heat
9.2
Winter Weather
9.2
Strong Wind
8.9
Lightning
8.9
Hurricane
8.7
Avalanche
8.5
Earthquake
8.1
Hail
7.9
Tornado
7.8
Drought
7.7
Landslide
5.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.5
Ice Storm
3.9
Cold Wave
3.4
Riverine Flooding
1.0

How it compares

ZIP 20132
6.9
Virginia avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

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

Natural Hazard Profile: ZIP 20132, Virginia

ZIP 20132 in Purcellville sits along the mid-Atlantic coast. Its humid subtropical climate produces hot, humid summers and four distinct seasons, and notably hurricane and nor'easter exposure. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 20132 carries an overall risk score of 6.9/10, placing it in the high category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to winter and lightning.

Within Virginia, ZIP 20132's risk is, considerably above the 5.1/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Virginia identifies heat as the foremost hazard, followed by winter and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 20132 residents benefit from taking preparedness seriously. Reviewing insurance coverage for heat and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 20132: Extreme Heat preparedness

  • Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
  • Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
  • Check on elderly neighbors and never leave children or pets in parked vehicles.

Risk for the surrounding area

Local Factors for ZIP 20132

These city-level factors differentiate ZIP 20132 from other communities in Virginia County and provide geographic context for its hazard exposure.

Population

19,817

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.2Β°

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: 4.5/10

Coordinates

39.1665Β° N, 77.7275Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 20132

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Virginia

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.