Natural Disaster Risk — ZIP Code 23238
Henrico, Virginia
Risk Summary for ZIP 23238
ZIP 23238 scores 4.4/10 (Moderate risk), near 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
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 23238, Virginia
ZIP 23238 covers part of the Henrico area, along the mid-Atlantic coast. The surrounding region experiences hot, humid summers and four distinct seasons, with hurricane and nor'easter exposure shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 23238's composite natural disaster risk at 4.4 out of 10 — moderate risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for drought and hurricane risk in their preparedness planning.
ZIP 23238's risk score, slightly below the 5.1/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are earthquake, drought, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 23238'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 earthquake exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 23238: Earthquake preparedness
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
- 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.
Risk for the surrounding area
Local Factors for ZIP 23238
These city-level factors differentiate ZIP 23238 from other communities in Virginia County and provide geographic context for its hazard exposure.
Population
26,050
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: 2.1/10
Coordinates
37.5960° N, 77.6414° 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 23238
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.