Richmond, VA real-estate risk
Richmond, VA (Richmond County) carries a FEMA National Risk Index score of 78.4/100 — rated "Relatively Low" — driven mainly by earthquake and heat wave, with roughly $39M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$39M/yr
all natural hazards, county-wide
Buildings-only loss
$31M/yr
the part that hits owners + insurers
What it means for insurance
Hazard exposure here is moderate, so insurance is less likely to be the deal-breaker — but a stated insurance figure should still be checked against the area band before close.
Richmond risk — FAQ
Is Richmond, VA a high-risk area for real estate?
Richmond scores 78.4/100 on FEMA's National Risk Index — rated "Relatively Low" versus all US counties. Its expected natural-hazard loss is about $39M per year.
What is the biggest natural hazard in Richmond?
The highest-rated hazard is earthquake (92.7/100), followed by heat wave (88.3/100).
How does hazard risk affect property insurance in Richmond?
Hazard exposure here is moderate, so insurance is less likely to be the deal-breaker — but a stated insurance figure should still be checked against the area band before close.
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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.
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