🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 22845

Orkney Springs, Virginia

6.0out of 10
High Risk

Risk Summary for ZIP 22845

ZIP 22845 scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Hurricane Landslide

All 18 Hazard Scores

Avalanche
9.1
Hurricane
8.7
Landslide
8.7
Strong Wind
8.0
Wildfire
6.8
Drought
6.4
Earthquake
6.2
Hail
6.1
Winter Weather
5.7
Tsunami
5.4
Extreme Heat
5.3
Lightning
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
3.8
Tornado
3.6
Ice Storm
3.2
Riverine Flooding
1.0

How it compares

ZIP 22845
6.0
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 22845, Virginia

ZIP 22845 covers part of the Orkney Springs 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 22845's composite natural disaster risk at 6.0 out of 10 β€” high 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 landslide risk in their preparedness planning.

ZIP 22845's risk score, slightly above the 5.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, hurricane, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

ZIP 22845's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 22845: 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 22845

These city-level factors differentiate ZIP 22845 from other communities in Virginia County and provide geographic context for its hazard exposure.

Population

48

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.8/10

Coordinates

38.7799Β° N, 78.8375Β° 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 22845

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.