Risk Index · Norfolk County · 2026-06-13
Norfolk, VA real-estate risk
- Risk score
- 81.2/100
- Relatively Moderate
- Expected annual loss
- $46M
- all hazards, county-wide
- Buildings-only loss
- $34M
- what owners and insurers carry
- Population
- 238K
- Norfolk County
Norfolk, VA (Norfolk County) carries a FEMA National Risk Index score of 81.2/100, rated "Relatively Moderate" and driven mainly by hurricane and heat wave, with roughly $46M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hurricane92.9
- Heat wave88.2
- Coastal flood82.4
- Earthquake78.1
- Riverine flood75.3
- Tornado74.1
- Strong wind71.4
- Hail68.8
- Wildfire32.9
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Norfolk risk questions
Is Norfolk, VA a high-risk area for real estate?
Norfolk scores 81.2/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $46M per year.
What is the biggest natural hazard in Norfolk?
The highest-rated hazard is hurricane (92.9/100), followed by heat wave (88.2/100).
How does hazard risk affect property insurance in Norfolk?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.