Natural Disaster Risk — ZIP Code 23227
Richmond, Virginia
Risk Summary for ZIP 23227
ZIP 23227 scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
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 23227, Virginia
Located along the mid-Atlantic coast, ZIP 23227 serves the Richmond 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 23227's overall natural disaster risk is rated 7.1/10 (High) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include coastal flood and lightning.
Relative to other U.S. communities, ZIP 23227'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 earthquake and coastal flood, 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 23227 residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake 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 23227: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Risk for the surrounding area
Local Factors for ZIP 23227
These city-level factors differentiate ZIP 23227 from other communities in Virginia County and provide geographic context for its hazard exposure.
Population
24,925
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.3/10
Coordinates
37.6149° N, 77.4423° 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 23227
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.