Charles City County, Virginia: hazard risk
FEMA rates Charles City County's overall risk Very Low (score 9.3 of 100, higher than 9% of rated U.S. counties); 1 of its 15 hazards are rated Relatively High or Very High, led by drought. Its storm record holds 207 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 High | 93.3 | $1.6M |
| Hurricane | Relatively Low | 66.6 | $317K |
| Coastal Flooding | Relatively Low | 45.2 | $36K |
| Ice Storm | Relatively Low | 28.5 | $21K |
| Earthquake | Very Low | 37.0 | $93K |
| Heat Wave | Very Low | 23.8 | $65K |
| Wildfire | Very Low | 21.6 | $6K |
| Hail | Very Low | 19.1 | $50K |
| Tornado | Very Low | 17.5 | $140K |
| Winter Weather | Very Low | 16.4 | $10K |
| Landslide | Very Low | 15.5 | $50 |
| Cold Wave | Very Low | 11.4 | $71K |
| Lightning | Very Low | 10.0 | $25K |
| Riverine Flooding | Very Low | 9.3 | $935K |
| Strong Wind | Very Low | 7.8 | $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. |
|---|---|---|---|---|---|
| Winter storms | 73 | 0 | $133K | 19th of 96 | 189th of 3,077 |
| Severe thunderstorm wind | 67 | 0 | $173K | 55th of 96 | 849th of 3,080 |
| Floods | 19 | 0 | – | 54th of 96 | 803rd of 3,080 |
| Heavy rain | 19 | 0 | – | 14th of 96 | 58th of 3,080 |
| Hail | 10 | 0 | – | 84th of 96 | 2469th of 3,080 |
| Heat | 5 | 0 | – | 27th of 96 | 821st of 3,076 |
| Extreme cold | 3 | 0 | – | 43rd of 96 | 1316th of 3,076 |
| High wind and dust storms | 3 | 0 | $38K | 67th of 96 | 1979th of 3,080 |
| Tornadoes | 3 | 0 | $1.3M | 53rd of 96 | 2167th of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | $958K | 18th of 96 | 455th of 1,849 |
| Rip currents and high surf | 1 | 0 | – | 4th of 96 | 133rd of 2,080 |
| Drought | 1 | 0 | $3.9M | 68th of 96 | 2179th of 3,063 |
| Lightning | 1 | 0 | $8K | 59th of 96 | 1158th 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 Charles City County record: every hazard by year and month, the deadliest events and FEMA's declarations.