🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 22623

Chester Gap, Virginia

4.4out of 10
Moderate Risk

Risk Summary for ZIP 22623

ZIP 22623 scores 4.4/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Hurricane Drought

All 18 Hazard Scores

Avalanche
8.8
Hurricane
7.0
Drought
6.4
Landslide
6.0
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.6
Strong Wind
4.2
Earthquake
3.7
Extreme Heat
3.6
Lightning
2.8
Winter Weather
2.6
Hail
2.5
Tornado
2.3
Ice Storm
2.2
Cold Wave
2.1
Riverine Flooding
1.0

How it compares

ZIP 22623
4.4
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 22623, Virginia

ZIP 22623 covers part of the Chester Gap area, along the mid-Atlantic coast. The surrounding region experiences hot, humid summers and four distinct seasons, with hurricane and nor'easter exposure shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 22623's composite natural disaster risk at 4.4 out of 10 β€” moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for hurricane and drought risk in their preparedness planning.

ZIP 22623's risk score, slightly below the 5.1/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, hurricane, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 22623 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 ZIP 22623: Avalanche preparedness

  • 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.
  • Properties in runout zones may require specialized hazard assessment and insurance.

Risk for the surrounding area

Local Factors for ZIP 22623

These city-level factors differentiate ZIP 22623 from other communities in Virginia County and provide geographic context for its hazard exposure.

Population

641

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.9Β°

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: 4.6/10

Coordinates

38.8516Β° N, 78.1373Β° 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 22623

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.