Charlottesville (city), Virginia: hazard risk
FEMA rates Charlottesville (city)'s overall risk Very Low (score 24.3 of 100, higher than 24% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 99 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 84.4 | $1.9M |
| Earthquake | Relatively Low | 70.9 | $1.0M |
| Hurricane | Relatively Low | 69.5 | $685K |
| Heat Wave | Relatively Low | 63.9 | $857K |
| Lightning | Relatively Low | 50.1 | $287K |
| Winter Weather | Relatively Low | 32.3 | $41K |
| Riverine Flooding | Very Low | 33.3 | $4.7M |
| Hail | Very Low | 25.7 | $118K |
| Ice Storm | Very Low | 25.7 | $30K |
| Tornado | Very Low | 24.3 | $423K |
| Landslide | Very Low | 16.3 | $91 |
| Cold Wave | Very Low | 8.4 | $70K |
| Wildfire | Very Low | 0.3 | $136 |
| Drought | No Rating | 0.0 | $0 |
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 | 49 | 0 | $470K | ||
| Winter storms | 15 | 0 | – | ||
| Floods | 14 | 0 | $7K | ||
| Hail | 10 | 0 | – | ||
| Heavy rain | 5 | 0 | – | ||
| Extreme cold | 4 | 0 | – | ||
| Tornadoes | 1 | 0 | $857K |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Charlottesville (city) record: every hazard by year and month, the deadliest events and FEMA's declarations.