Caroline County, Virginia: hazard risk
FEMA rates Caroline County's overall risk Very Low (score 20.7 of 100, higher than 20% of rated U.S. counties). Its storm record holds 433 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Relatively Moderate | 78.2 | $926K |
| Hurricane | Relatively Low | 79.0 | $1.8M |
| Earthquake | Relatively Low | 59.9 | $505K |
| Heat Wave | Relatively Low | 39.1 | $246K |
| Lightning | Relatively Low | 37.4 | $163K |
| Tornado | Relatively Low | 30.2 | $581K |
| Strong Wind | Relatively Low | 28.4 | $306K |
| Winter Weather | Relatively Low | 25.3 | $26K |
| Landslide | Very Low | 59.0 | $3K |
| Hail | Very Low | 29.0 | $126K |
| Riverine Flooding | Very Low | 26.8 | $3.5M |
| Coastal Flooding | Very Low | 26.2 | $3K |
| Ice Storm | Very Low | 24.9 | $26K |
| Wildfire | Very Low | 19.4 | $8K |
| Cold Wave | Very Low | 6.9 | $42K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 205 | 0 | $1.1M | 68th of 96 | 1117th of 3,080 |
| Winter storms | 109 | 0 | $143K | 59th of 96 | 665th of 3,077 |
| Hail | 32 | 0 | $34K | 91st of 96 | 2576th of 3,080 |
| Heavy rain | 30 | 0 | – | 38th of 96 | 170th of 3,080 |
| Floods | 24 | 0 | $216K | 88th of 96 | 1717th of 3,080 |
| Tornadoes | 15 | 0 | $1.2M | 39th of 96 | 1902nd of 3,080 |
| Heat | 4 | 0 | – | 64th of 96 | 1656th of 3,076 |
| High wind and dust storms | 4 | 0 | $36K | 85th of 96 | 2497th of 3,080 |
| Extreme cold | 3 | 0 | – | 88th of 96 | 2200th of 3,076 |
| Drought | 2 | 0 | $6.3M | 74th of 96 | 2270th of 3,063 |
| Hurricanes and tropical storms | 2 | 0 | $164K | 47th of 96 | 781st of 1,849 |
| Lightning | 1 | 0 | – | 75th of 96 | 1938th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Caroline County record: every hazard by year and month, the deadliest events and FEMA's declarations.