Natural Disaster Risk — ZIP Code 23093
Louisa, Virginia
Risk Summary for ZIP 23093
ZIP 23093 scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 23093, Virginia
ZIP 23093 in Louisa 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 23093 carries an overall risk score of 5.0/10, placing it in the moderate category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to earthquake and lightning.
Within Virginia, ZIP 23093's risk is, near the 5.1/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Virginia identifies hurricane as the foremost hazard, followed by earthquake and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 23093 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.
What this means for ZIP 23093: Hurricane preparedness
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
- Know your evacuation zone and route before hurricane season begins each June.
Risk for the surrounding area
Local Factors for ZIP 23093
These city-level factors differentiate ZIP 23093 from other communities in Virginia County and provide geographic context for its hazard exposure.
Population
14,647
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
Lower — moist climate limits wildfire frequency
Fire score: 3.2/10
Coordinates
38.0015° N, 78.0359° 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 23093
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.