🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 26293

Valley Bend, West Virginia

4.7out of 10
Moderate Risk

Risk Summary for ZIP 26293

ZIP 26293 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Hurricane

All 18 Hazard Scores

Avalanche
9.3
Landslide
9.1
Hurricane
6.7
Winter Weather
5.9
Tsunami
5.4
Lightning
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
4.5
Earthquake
4.2
Drought
3.9
Ice Storm
3.3
Strong Wind
3.2
Cold Wave
2.9
Wildfire
2.7
Tornado
2.0
Extreme Heat
1.5
Riverine Flooding
1.0

How it compares

ZIP 26293
4.7
West Virginia avg.
5.0
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 26293, West Virginia

Located along the mid-Atlantic coast, ZIP 26293 serves the Valley Bend community. The humid continental climate of this part of West Virginia β€” bringing cold winters, warm summers, and mountainous terrain that intensifies flooding β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 26293's overall natural disaster risk is rated 4.7/10 (Moderate) by FEMA's National Risk Index. The threat of avalanche is the primary natural hazard here, with winter snowpack instability on mountain terrain posing risks to roads, structures, and outdoor recreation activities. Secondary hazards include landslide and hurricane.

Relative to other U.S. communities, ZIP 26293's natural disaster risk is near the U.S. national average of 4.5/10, near the 5.0/10 state average. The hazard distribution here is led by avalanche and landslide, as measured by FEMA across West Virginia. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 26293'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 avalanche exposure is adequately protected is a worthwhile step for property owners.

What this means for ZIP 26293: Avalanche preparedness

  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.

Risk for the surrounding area

Local Factors for ZIP 26293

These city-level factors differentiate ZIP 26293 from other communities in West Virginia County and provide geographic context for its hazard exposure.

Population

661

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.8Β°

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: 2.7/10

Coordinates

38.7824Β° N, 79.9365Β° 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 26293

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.