Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in Virginia
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Virginia ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Accomack County | $2,182 | Relatively Moderate | $193,100 |
| 2 | Highland County | $2,182 | Very Low | $195,700 |
| 3 | Bland County | $2,133 | Very Low | $157,100 |
| 4 | Covington city | $1,878 | Very Low | $80,200 |
| 5 | Northampton County | $1,770 | Relatively Low | $279,100 |
| 6 | Alleghany County | $1,714 | Very Low | $122,300 |
| 7 | Bath County | $1,615 | Very Low | $206,000 |
| 8 | Craig County | $1,580 | Very Low | $210,500 |
| 9 | King and Queen County | $1,571 | Very Low | $240,900 |
| 10 | Northumberland County | $1,556 | Very Low | $333,100 |
| 11 | Buchanan County | $1,455 | Relatively Low | $91,400 |
| 12 | Nelson County | $1,371 | Very Low | $283,000 |
| 13 | Lancaster County | $1,370 | Very Low | $307,600 |
| 14 | Lee County | $1,352 | Relatively Low | $98,700 |
| 15 | Greensville County | $1,348 | Very Low | $159,200 |
| 16 | Southampton County | $1,317 | Very Low | $208,800 |
| 17 | Richmond County | $1,316 | Very Low | $214,200 |
| 18 | Middlesex County | $1,253 | Very Low | $299,800 |
| 19 | Cumberland County | $1,230 | Very Low | $220,100 |
| 20 | Essex County | $1,224 | Very Low | $228,600 |
| 21 | Emporia city | $1,194 | Very Low | $131,100 |
| 22 | Smyth County | $1,183 | Relatively Low | $125,800 |
| 23 | Rappahannock County | $1,171 | Very Low | $490,200 |
| 24 | Charles City County | $1,148 | Very Low | $224,100 |
| 25 | Westmoreland County | $1,129 | Very Low | $244,000 |
| 26 | Nottoway County | $1,129 | Very Low | $179,800 |
| 27 | Sussex County | $1,113 | Very Low | $178,500 |
| 28 | Brunswick County | $1,112 | Very Low | $132,700 |
| 29 | Rockingham County | $1,089 | Relatively Low | $287,900 |
| 30 | Shenandoah County | $1,054 | Relatively Low | $265,800 |
| 31 | Mathews County | $1,050 | Very Low | $348,800 |
| 32 | Lexington city | $1,043 | Very Low | $275,300 |
| 33 | Galax city | $1,014 | Very Low | $126,800 |
| 34 | Surry County | $1,012 | Very Low | $235,200 |
| 35 | Page County | $1,007 | Very Low | $221,800 |
| 36 | Danville city | $989 | Relatively Low | $110,200 |
| 37 | Clarke County | $988 | Very Low | $538,900 |
| 38 | Isle of Wight County | $973 | Very Low | $333,600 |
| 39 | Amelia County | $969 | Very Low | $239,700 |
| 40 | Mecklenburg County | $967 | Relatively Low | $169,400 |
| 41 | Grayson County | $958 | Very Low | $132,300 |
| 42 | Wythe County | $956 | Relatively Low | $172,100 |
| 43 | Rockbridge County | $952 | Very Low | $238,700 |
| 44 | Tazewell County | $952 | Relatively Low | $116,100 |
| 45 | Poquoson city | $939 | Very Low | $403,000 |
| 46 | Wise County | $939 | Relatively Low | $116,500 |
| 47 | Scott County | $935 | Very Low | $122,300 |
| 48 | Prince Edward County | $934 | Very Low | $203,700 |
| 49 | York County | $912 | Relatively Low | $411,200 |
| 50 | Buena Vista city | $910 | Very Low | $153,500 |
| 51 | Albemarle County | $895 | Relatively Low | $471,000 |
| 52 | Franklin city | $892 | Very Low | $227,200 |
| 53 | Salem city | $890 | Very Low | $244,800 |
| 54 | King William County | $886 | Very Low | $276,500 |
| 55 | Lunenburg County | $885 | Very Low | $145,500 |
| 56 | Charlotte County | $878 | Very Low | $144,000 |
| 57 | Dickenson County | $878 | Very Low | $101,100 |
| 58 | Powhatan County | $865 | Very Low | $381,300 |
| 59 | Madison County | $855 | Very Low | $331,400 |
| 60 | Fauquier County | $846 | Relatively Low | $543,700 |
| 61 | Warren County | $845 | Very Low | $315,800 |
| 62 | Russell County | $843 | Very Low | $119,600 |
| 63 | King George County | $831 | Very Low | $395,900 |
| 64 | Augusta County | $824 | Relatively Low | $281,400 |
| 65 | Patrick County | $824 | Very Low | $146,500 |
| 66 | New Kent County | $811 | Very Low | $371,500 |
| 67 | Culpeper County | $802 | Relatively Low | $386,400 |
| 68 | Goochland County | $797 | Very Low | $483,700 |
| 69 | Giles County | $796 | Very Low | $143,500 |
| 70 | Buckingham County | $793 | Very Low | $167,800 |
| 71 | Carroll County | $793 | Relatively Low | $144,200 |
| 72 | Pulaski County | $786 | Relatively Low | $182,500 |
| 73 | Orange County | $759 | Very Low | $337,300 |
| 74 | Henry County | $744 | Relatively Low | $120,300 |
| 75 | Norton city | $735 | Very Low | $100,700 |
| 76 | Williamsburg city | $726 | Very Low | $393,200 |
| 77 | Caroline County | $709 | Very Low | $283,100 |
| 78 | James City County | $709 | Relatively Low | $419,200 |
| 79 | Dinwiddie County | $695 | Very Low | $246,100 |
| 80 | Stafford County | $686 | Relatively Low | $458,800 |
| 81 | Suffolk city | $685 | Relatively Low | $329,600 |
| 82 | Botetourt County | $684 | Very Low | $268,900 |
| 83 | Hanover County | $679 | Relatively Low | $372,700 |
| 84 | Pittsylvania County | $670 | Relatively Low | $153,000 |
| 85 | Louisa County | $663 | Very Low | $275,600 |
| 86 | Halifax County | $654 | Relatively Low | $148,900 |
| 87 | Waynesboro city | $642 | Very Low | $236,600 |
| 88 | Prince George County | $638 | Very Low | $268,300 |
| 89 | Manassas Park city | $638 | Very Low | $381,200 |
| 90 | Chesapeake city | $608 | Relatively Low | $359,100 |
| 91 | Martinsville city | $605 | Very Low | $92,500 |
| 92 | Fluvanna County | $603 | Very Low | $281,700 |
| 93 | Greene County | $597 | Very Low | $315,300 |
| 94 | Fredericksburg city | $597 | Very Low | $461,500 |
| 95 | Gloucester County | $594 | Very Low | $289,200 |
| 96 | Frederick County | $583 | Relatively Low | $355,000 |
| 97 | Floyd County | $576 | Very Low | $215,500 |
| 98 | Chesterfield County | $575 | Relatively Moderate | $336,700 |
| 99 | Colonial Heights city | $571 | Very Low | $231,700 |
| 100 | Roanoke city | $565 | Relatively Low | $180,500 |
| 101 | Washington County | $559 | Relatively Low | $201,800 |
| 102 | Bedford County | $539 | Relatively Low | $276,600 |
| 103 | Winchester city | $538 | Very Low | $325,900 |
| 104 | Manassas city | $533 | Very Low | $434,700 |
| 105 | Alexandria city | $532 | Relatively Low | $696,800 |
| 106 | Fairfax County | $531 | Relatively High | $699,700 |
| 107 | Fairfax city | $523 | Very Low | $677,400 |
| 108 | Harrisonburg city | $520 | Very Low | $278,200 |
| 109 | Charlottesville city | $519 | Very Low | $448,400 |
| 110 | Falls Church city | $517 | Very Low | $1,005,400 |
| 111 | Lynchburg city | $515 | Relatively Low | $211,800 |
| 112 | Amherst County | $511 | Very Low | $197,200 |
| 113 | Roanoke County | $507 | Relatively Low | $267,300 |
| 114 | Spotsylvania County | $493 | Relatively Low | $375,000 |
| 115 | Franklin County | $490 | Very Low | $222,800 |
| 116 | Appomattox County | $485 | Very Low | $189,200 |
| 117 | Norfolk city | $484 | Relatively Moderate | $271,900 |
| 118 | Hopewell city | $472 | Very Low | $165,100 |
| 119 | Staunton city | $469 | Very Low | $239,300 |
| 120 | Radford city | $464 | Very Low | $211,700 |
| 121 | Portsmouth city | $458 | Relatively Low | $229,400 |
| 122 | Montgomery County | $452 | Relatively Low | $283,600 |
| 123 | Prince William County | $446 | Relatively Moderate | $500,600 |
| 124 | Loudoun County | $431 | Relatively Low | $701,000 |
| 125 | Henrico County | $426 | Relatively Moderate | $333,600 |
| 126 | Newport News city | $419 | Relatively Low | $243,300 |
| 127 | Campbell County | $411 | Very Low | $199,200 |
| 128 | Hampton city | $405 | Relatively Low | $234,100 |
| 129 | Bristol city | $396 | Very Low | $168,700 |
| 130 | Richmond city | $383 | Relatively Low | $328,100 |
| 131 | Petersburg city | $365 | Very Low | $157,900 |
| 132 | Arlington County | $339 | Relatively Low | $864,800 |
| 133 | Virginia Beach city | $170 | Relatively Low | $366,300 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Virginia