Fluvanna County, Virginia: hazard risk
FEMA rates Fluvanna County's overall risk Very Low (score 13.5 of 100, higher than 13% of rated U.S. counties). Its storm record holds 304 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 |
|---|---|---|---|
| Hurricane | Relatively Low | 67.7 | $534K |
| Earthquake | Relatively Low | 67.3 | $756K |
| Drought | Relatively Low | 62.4 | $358K |
| Strong Wind | Relatively Low | 36.1 | $395K |
| Lightning | Relatively Low | 32.4 | $131K |
| Landslide | Very Low | 44.1 | $975 |
| Heat Wave | Very Low | 33.9 | $185K |
| Riverine Flooding | Very Low | 26.1 | $3.3M |
| Tornado | Very Low | 23.5 | $352K |
| Ice Storm | Very Low | 22.4 | $22K |
| Hail | Very Low | 18.6 | $72K |
| Wildfire | Very Low | 16.3 | $6K |
| Winter Weather | Very Low | 12.4 | $11K |
| Cold Wave | Very Low | 4.4 | $10K |
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 | 128 | 1 | $1.3M | 45th of 96 | 649th of 3,080 |
| Winter storms | 98 | 0 | $149K | 29th of 96 | 257th of 3,077 |
| Heavy rain | 23 | 0 | – | 26th of 96 | 98th of 3,080 |
| Hail | 22 | 0 | – | 71st of 96 | 2224th of 3,080 |
| Floods | 11 | 0 | – | 93rd of 96 | 1982nd of 3,080 |
| Tornadoes | 10 | 0 | $3.2M | 25th of 96 | 1467th of 3,080 |
| Heat | 4 | 0 | – | 48th of 96 | 1217th of 3,076 |
| Extreme cold | 3 | 0 | – | 61st of 96 | 1728th of 3,076 |
| Drought | 2 | 0 | $3.6M | 65th of 96 | 2117th of 3,063 |
| High wind and dust storms | 2 | 0 | $11K | 87th of 96 | 2538th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | $58K | 51st of 96 | 800th of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Fluvanna County record: every hazard by year and month, the deadliest events and FEMA's declarations.