Natural Disaster Risk — ZIP Code 23298
Richmond, Virginia
Risk Summary for ZIP 23298
ZIP 23298 scores 5.1/10 (Moderate risk), above the U.S. average of 4.5.
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 23298, Virginia
ZIP 23298 covers part of the Richmond 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 23298's composite natural disaster risk at 5.1 out of 10 — moderate risk. The threat of riverine flooding is the primary driver of natural hazard risk here, with low-lying areas near waterways facing recurring inundation during major rain events. in their preparedness planning.
ZIP 23298's risk score, near the 5.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are . These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 23298'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 exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 23298: top hazard preparedness
- Check whether your property sits in a FEMA-designated Special Flood Hazard Area — standard homeowners policies do not cover flood damage.
- Consider National Flood Insurance Program (NFIP) coverage; there is typically a 30-day waiting period before it takes effect.
- Keep critical utilities and valuables elevated above potential flood levels, and know your nearest higher-ground evacuation route.
Risk for the surrounding area
Local Factors for ZIP 23298
These city-level factors differentiate ZIP 23298 from other communities in Virginia County and provide geographic context for its hazard exposure.
Population
98
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 0.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 0.0/10
Coordinates
37.5416° N, 77.4295° 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 23298
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.