Natural Disaster Risk — ZIP Code 22903
Charlottesville, Virginia
Risk Summary for ZIP 22903
ZIP 22903 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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 22903, Virginia
Located along the mid-Atlantic coast, ZIP 22903 serves the Charlottesville community. The humid subtropical climate of this part of Virginia — bringing hot, humid summers and four distinct seasons — directly shapes the hazard exposure for properties in this postal area.
ZIP 22903's overall natural disaster risk is rated 6.9/10 (High) by FEMA's National Risk Index. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. Secondary hazards include avalanche and hurricane.
Relative to other U.S. communities, ZIP 22903's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.1/10 state average. The hazard distribution here is led by wind and avalanche, as measured by FEMA across Virginia. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, ZIP 22903 residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind 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 22903: Strong Wind preparedness
- Secure or store outdoor furniture and loose objects that can become projectiles.
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
Risk for the surrounding area
Local Factors for ZIP 22903
These city-level factors differentiate ZIP 22903 from other communities in Virginia County and provide geographic context for its hazard exposure.
Population
40,372
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.0°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.9/10
Coordinates
38.0124° N, 78.6016° 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 22903
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.