Virginia Beach, VA real-estate risk
Virginia Beach, VA (Virginia Beach County) carries a FEMA National Risk Index score of 57.9/100 — rated "Relatively Low" — driven mainly by heat wave and hurricane, with roughly $31M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$31M/yr
all natural hazards, county-wide
Buildings-only loss
$17M/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.
Virginia Beach risk — FAQ
Is Virginia Beach, VA a high-risk area for real estate?
Virginia Beach scores 57.9/100 on FEMA's National Risk Index — rated "Relatively Low" versus all US counties. Its expected natural-hazard loss is about $31M per year.
What is the biggest natural hazard in Virginia Beach?
The highest-rated hazard is heat wave (91.7/100), followed by hurricane (88.9/100).
How does hazard risk affect property insurance in Virginia Beach?
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.
Scan a Virginia Beach property — free
Drop in any Virginia Beachaddress and PropHunt's AI pulls the cap rate, comps, permit history and the full hazard/insurance read — no card required.
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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