Risk Index · Virginia Beach County · 2026-06-13
Virginia Beach, VA real-estate risk
- Risk score
- 57.9/100
- Relatively Low
- Expected annual loss
- $31M
- all hazards, county-wide
- Buildings-only loss
- $17M
- what owners and insurers carry
- Population
- 459K
- Virginia Beach County
Virginia Beach, VA (Virginia Beach County) carries a FEMA National Risk Index score of 57.9/100, rated "Relatively Low" and driven mainly by heat wave and hurricane, with roughly $31M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave91.7
- Hurricane88.9
- Earthquake67.5
- Coastal flood67.4
- Tornado66.7
- Wildfire55.8
- Hail54.7
- Riverine flood27.9
- Drought22
- Strong wind14.2
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.
Virginia Beach risk questions
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.
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.