🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 25427

Hedgesville, West Virginia

6.3out of 10
High Risk

Risk Summary for ZIP 25427

ZIP 25427 scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Strong Wind Avalanche

All 18 Hazard Scores

Hurricane
8.7
Strong Wind
8.7
Avalanche
8.4
Landslide
7.9
Extreme Heat
7.6
Winter Weather
7.4
Drought
7.2
Earthquake
7.0
Hail
6.8
Lightning
6.3
Tsunami
5.4
Volcanic Activity
5.1
Tornado
5.0
Coastal Flooding
4.9
Ice Storm
4.3
Wildfire
4.0
Cold Wave
2.5
Riverine Flooding
1.0

How it compares

ZIP 25427
6.3
West Virginia avg.
5.0
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 25427, West Virginia

ZIP 25427 in Hedgesville sits along the mid-Atlantic coast. Its humid continental climate produces cold winters, warm summers, and mountainous terrain that intensifies flooding, and notably flash flooding and winter storms. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 25427 carries an overall risk score of 6.3/10, placing it in the high category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the June–November season. The area also faces notable exposure to wind and avalanche.

Within West Virginia, ZIP 25427's risk is, slightly above the 5.0/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of West Virginia identifies hurricane as the foremost hazard, followed by wind and avalanche. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 25427 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane 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 25427: Hurricane preparedness

  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.

Risk for the surrounding area

Local Factors for ZIP 25427

These city-level factors differentiate ZIP 25427 from other communities in West Virginia County and provide geographic context for its hazard exposure.

Population

16,595

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.5Β°

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: 4.0/10

Coordinates

39.5261Β° N, 78.0910Β° 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 25427

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in West 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.