🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 22427

Bowling Green, Virginia

5.1out of 10
Moderate Risk

Risk Summary for ZIP 22427

ZIP 22427 scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Drought

All 18 Hazard Scores

Coastal Flooding
9.0
Hurricane
8.6
Drought
8.1
Earthquake
6.5
Landslide
6.4
Tsunami
5.4
Volcanic Activity
5.1
Extreme Heat
4.7
Lightning
4.5
Avalanche
4.5
Tornado
3.9
Hail
3.8
Strong Wind
3.7
Ice Storm
3.7
Winter Weather
3.5
Wildfire
2.9
Cold Wave
1.8
Riverine Flooding
1.0

How it compares

ZIP 22427
5.1
Virginia avg.
5.1
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: ZIP 22427, Virginia

ZIP 22427 in Bowling Green 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 22427 carries an overall risk score of 5.1/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and drought.

Within Virginia, ZIP 22427's risk is, near the 5.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Virginia identifies coastal flood as the foremost hazard, followed by hurricane and drought. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 22427 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 coastal flood is recommended.

What this means for ZIP 22427: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Risk for the surrounding area

Local Factors for ZIP 22427

These city-level factors differentiate ZIP 22427 from other communities in Virginia County and provide geographic context for its hazard exposure.

Population

4,356

Small Town

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

Lower β€” moist climate limits wildfire frequency

Fire score: 2.9/10

Coordinates

38.0718Β° N, 77.2862Β° 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 22427

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.