Natural Disaster Risk — ZIP Code 23108

Natural Hazard Profile: ZIP 23108, Virginia

ZIP 23108 in Mascot 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 23108 carries an overall risk score of 4.4/10, 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 coastal flood and hurricane.

Within Virginia, ZIP 23108's risk is, slightly below 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 drought as the foremost hazard, followed by coastal flood and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 23108'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.