Loudoun County, Virginia: hazard risk
FEMA rates Loudoun County's overall risk Relatively Low (score 78.1 of 100, higher than 78% of rated U.S. counties); 3 of its 15 hazards are rated Relatively High or Very High, led by winter weather, lightning, strong wind. Its storm record holds 1,709 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 |
|---|---|---|---|
| Winter Weather | Relatively High | 90.4 | $655K |
| Lightning | Relatively High | 87.8 | $1.7M |
| Strong Wind | Relatively High | 87.4 | $2.8M |
| Heat Wave | Relatively Moderate | 91.1 | $5.2M |
| Riverine Flooding | Relatively Moderate | 83.9 | $37M |
| Hail | Relatively Moderate | 76.5 | $1.2M |
| Tornado | Relatively Moderate | 74.7 | $4.8M |
| Drought | Relatively Moderate | 74.1 | $1.0M |
| Hurricane | Relatively Low | 80.1 | $3.1M |
| Earthquake | Relatively Low | 77.9 | $2.2M |
| Cold Wave | Relatively Low | 24.6 | $493K |
| Landslide | Very Low | 51.2 | $2K |
| Wildfire | Very Low | 37.4 | $34K |
| Ice Storm | Very Low | 26.9 | $41K |
| Avalanche | Very Low | 19.7 | $55 |
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 | 687 | 2 | $5.6M | 7th of 96 | 101st of 3,080 |
| Winter storms | 284 | 3 | $400K | 17th of 96 | 178th of 3,077 |
| Floods | 196 | 0 | $4.2M | 15th of 96 | 233rd of 3,080 |
| Hail | 170 | 0 | $13M | 12th of 96 | 707th of 3,080 |
| Extreme cold | 77 | 0 | $1.4M | 16th of 96 | 136th of 3,076 |
| Heat | 58 | 0 | – | 15th of 96 | 324th of 3,076 |
| High wind and dust storms | 52 | 2 | $1.6M | 23rd of 96 | 386th of 3,080 |
| Tornadoes | 28 | 0 | $17M | 16th of 96 | 995th of 3,080 |
| Lightning | 17 | 0 | $1.5M | 8th of 96 | 201st of 3,080 |
| Heavy rain | 16 | 0 | – | 52nd of 96 | 283rd of 3,080 |
| Drought | 12 | 0 | $39M | 43rd of 96 | 1536th of 3,063 |
| Hurricanes and tropical storms | 2 | 0 | $7K | 45th of 96 | 774th 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 Loudoun County record: every hazard by year and month, the deadliest events and FEMA's declarations.