🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 23147

Ruthville, Virginia

4.3out of 10
Moderate Risk

Risk Summary for ZIP 23147

ZIP 23147 scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Coastal Flooding Hurricane

All 18 Hazard Scores

Drought
9.4
Coastal Flooding
9.2
Hurricane
7.8
Tsunami
5.4
Volcanic Activity
5.1
Earthquake
4.5
Avalanche
4.5
Ice Storm
4.0
Extreme Heat
3.4
Wildfire
3.1
Hail
2.9
Tornado
2.8
Winter Weather
2.7
Landslide
2.6
Cold Wave
2.2
Lightning
2.1
Strong Wind
1.9
Riverine Flooding
1.0

How it compares

ZIP 23147
4.3
Virginia avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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 23147, Virginia

ZIP 23147 in Ruthville 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 23147 carries an overall risk score of 4.3/10, 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 23147'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.

With a moderate risk rating, ZIP 23147 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.

What this means for ZIP 23147: Drought preparedness

  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.

Risk for the surrounding area

Local Factors for ZIP 23147

These city-level factors differentiate ZIP 23147 from other communities in Virginia County and provide geographic context for its hazard exposure.

Population

22

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 37.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.1/10

Coordinates

37.3697Β° N, 77.0391Β° 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 23147

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.