Natural Disaster Risk — ZIP Code 22718

Natural Hazard Profile: ZIP 22718, Virginia

ZIP 22718 in Elkwood 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 22718 carries an overall risk score of 5.5/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to hurricane and lightning.

Within Virginia, ZIP 22718's risk is, slightly above 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 drought as the foremost hazard, followed by hurricane and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 22718's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that drought exposure is adequately protected is a worthwhile step for property owners.