Risk Index · Richmond County · 2026-06-13
Richmond, VA real-estate risk
- Risk score
- 78.4/100
- Relatively Low
- Expected annual loss
- $39M
- all hazards, county-wide
- Buildings-only loss
- $31M
- what owners and insurers carry
- Population
- 226K
- Richmond County
Richmond, VA (Richmond County) carries a FEMA National Risk Index score of 78.4/100, rated "Relatively Low" and driven mainly by earthquake and heat wave, with roughly $39M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Earthquake92.7
- Heat wave88.3
- Riverine flood82.6
- Hurricane79.3
- Tornado66.8
- Hail59.4
- Coastal flood39.8
- Strong wind29.5
- Wildfire18
Each score is the county's percentile against every US county for that hazard (0-100).
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 questions
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.
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.