🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 23114

Midlothian, Virginia

6.8out of 10
High Risk

Risk Summary for ZIP 23114

ZIP 23114 scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Earthquake Hurricane

All 18 Hazard Scores

Coastal Flooding
9.2
Earthquake
9.1
Hurricane
9.1
Extreme Heat
8.8
Winter Weather
8.8
Ice Storm
8.6
Lightning
8.4
Tornado
8.0
Strong Wind
7.2
Drought
6.5
Tsunami
5.4
Landslide
5.3
Wildfire
5.1
Hail
5.1
Volcanic Activity
5.1
Avalanche
4.5
Cold Wave
1.8
Riverine Flooding
1.0

How it compares

ZIP 23114
6.8
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 23114, Virginia

ZIP 23114 in Midlothian 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 23114 carries an overall risk score of 6.8/10, placing it in the high category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to earthquake and hurricane.

Within Virginia, ZIP 23114's risk is, considerably above the 5.1/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Virginia identifies coastal flood as the foremost hazard, followed by earthquake and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 23114'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 23114: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Risk for the surrounding area

Local Factors for ZIP 23114

These city-level factors differentiate ZIP 23114 from other communities in Virginia County and provide geographic context for its hazard exposure.

Population

21,631

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.5Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.1/10

Coordinates

37.4832Β° N, 77.6605Β° 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 23114

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.