Chesterfield County, South Carolina Natural Disaster Risk
FEMA National Risk Index assessment · SC
LowComposite Risk Score
National percentile: 74th
Chesterfield County faces low composite natural disaster risk (NRI Risk Index score 74.0, 74th national percentile), driven primarily by hurricane and strong wind exposure. Expected annual loss across all 18 hazard types is $22M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
FEMA's National Risk Index rates Chesterfield County at low composite risk, with a National Risk Index score of 74.0 out of 100 — placing it in the 74th national percentile and below the national average for natural-disaster risk. The score blends Expected Annual Loss, Social Vulnerability, and Community Resilience across all 18 FEMA hazard types.
Risk here concentrates in hurricane (tropical cyclones bringing extreme wind, rain, and storm surge) at Medium risk — $6M in expected annual loss and about 0.19 events per year; strong wind (damaging straight-line winds outside of tornadoes and hurricanes) at High risk — $1M in expected annual loss and about 4.35 events per year; and tornado (violently rotating columns of air capable of catastrophic local damage) at Medium risk — $4M in expected annual loss and about 0.45 events per year. Across all hazards, FEMA estimates $22M in expected annual loss for a population of 43K.
Beyond physical exposure, Chesterfield County has a very high social vulnerability rating (how susceptible the population is to harm) and a very low community resilience rating (its capacity to prepare for and recover from disasters). That combination — a more vulnerable population with limited resilience — can amplify the human cost of any given event.
History supports the rating: Chesterfield County has received 26 federal disaster declarations since 1984, including 15 for hurricane events and 2 for tropical storm events. The most recent was Severe Winter Storm (winter storm), declared in January 2026.
Among 46 South Carolina counties, Chesterfield County ranks #27 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Hurricane | Medium | 0.19 / yr | $6M |
| Strong Wind | High | 4.35 / yr | $1M |
| Tornado | Medium | 0.45 / yr | $4M |
| Ice Storm | High | 0.79 / yr | $344K |
| Lightning | High | 55.92 / yr | $561K |
| Earthquake | Low | 0.00 / yr | $953K |
| Wildfire | Low | 0.00 / yr | $211K |
| Riverine Flood | Low | 0.75 / yr | $8M |
| Hail | Low | 3.72 / yr | $310K |
| Heat Wave | Low | 3.90 / yr | $369K |
| Cold Wave | Low | 0.42 / yr | $893K |
| Landslide | Very Low | 0.28 / yr | $1K |
| Drought | Low | 21.35 / yr | $139K |
| Winter Weather | Low | 2.63 / yr | $39K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Disaster History
Chesterfield County has received 26 federal disaster declarations since 1984, most recently Severe Winter Storm in January 2026. Most frequent causes: Hurricane (15), Tropical Storm (2), Biological (2).
| Declared | Type | Disaster |
|---|---|---|
| January 2026 | Winter Storm | Severe Winter Storm |
| September 2024 | Tropical Storm | Hurricane Helene |
| August 2024 | Tropical Storm | Hurricane Debby |
| August 2023 | Hurricane | Hurricane Idalia |
| November 2022 | Hurricane | Hurricane Ian |
| September 2022 | Hurricane | Hurricane Ian |
| March 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
| September 2019 | Hurricane | Hurricane Dorian |
| September 2018 | Hurricane | Hurricane Florence |
Showing the 10 most recent of 26 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Chesterfield County?
Chesterfield County has a composite FEMA National Risk Index score of 74.0 out of 100, placing it in the Low category and the 74th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Chesterfield County?
The three highest-rated hazards are Hurricane (Medium, $6M EAL), Strong Wind (High, $1M EAL), Tornado (Medium, $4M EAL). These account for most of the county's expected annual losses.
How does Chesterfield County compare to other South Carolina counties?
Chesterfield County ranks #27 of 46 South Carolina counties for overall natural disaster risk, with a low rating.
How many federally declared disasters has Chesterfield County had?
FEMA records 26 federal disaster declarations for Chesterfield County since 1984, most often 15 for hurricane events and 2 for tropical storm events. The most recent was Severe Winter Storm, declared in January 2026.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Chesterfield County's $22M EAL is a statistical average, not a guarantee for any specific year or address.