Fluvanna County, Virginia Natural Disaster Risk
FEMA National Risk Index assessment · VA
Very LowComposite Risk Score
National percentile: 13th
Fluvanna County faces very low composite natural disaster risk (NRI Risk Index score 13.5, 13th national percentile), driven primarily by hurricane and earthquake exposure. Expected annual loss across all 18 hazard types is $6M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Risk Overview
Overall natural disaster risk in Fluvanna County is very low, with a National Risk Index score of 13.5 out of 100 — placing it in the 13th national percentile and among the lowest-risk counties in the country. 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 Low risk — $534K in expected annual loss and about 0.09 events per year; earthquake (ground shaking from sudden movement along geologic faults) at Low risk — $756K in expected annual loss and about 0.00 events per year; and drought (extended dry periods that stress water supplies and agriculture) at Low risk — $358K in expected annual loss and about 6.22 events per year. Across all hazards, FEMA estimates $6M in expected annual loss for a population of 27K.
Beyond physical exposure, Fluvanna County has a low social vulnerability rating (how susceptible the population is to harm) and a medium community resilience rating (its capacity to prepare for and recover from disasters). Both measures sit toward the lower end, indicating relatively modest population sensitivity.
History supports the rating: Fluvanna County has received 23 federal disaster declarations since 1969, including 7 for hurricane events and 4 for severe storm events. The most recent was Severe Winter Storm (winter storm), declared in January 2026.
Among 133 Virginia counties, Fluvanna County ranks #96 for overall natural disaster risk.
Top Hazards
All 18 Hazard Risks
| Hurricane | Low | 0.09 / yr | $534K |
| Earthquake | Low | 0.00 / yr | $756K |
| Drought | Low | 6.22 / yr | $358K |
| Landslide | Very Low | 0.57 / yr | $975 |
| Strong Wind | Low | 3.04 / yr | $395K |
| Heat Wave | Very Low | 3.53 / yr | $185K |
| Lightning | Low | 40.23 / yr | $131K |
| Riverine Flood | Very Low | 0.25 / yr | $3M |
| Tornado | Very Low | 0.12 / yr | $352K |
| Ice Storm | Very Low | 0.70 / yr | $22K |
| Hail | Very Low | 2.73 / yr | $72K |
| Wildfire | Very Low | 0.00 / yr | $6K |
| Winter Weather | Very Low | 6.27 / yr | $11K |
| Cold Wave | Very Low | 0.69 / yr | $10K |
| 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
Fluvanna County has received 23 federal disaster declarations since 1969, most recently Severe Winter Storm in January 2026. Most frequent causes: Hurricane (7), Severe Storm (4), Snowstorm (4).
| Declared | Type | Disaster |
|---|---|---|
| January 2026 | Winter Storm | Severe Winter Storm |
| March 2022 | Severe Storm | Severe Winter Storm and Snowstorm |
| April 2020 | Biological | Covid-19 Pandemic |
| March 2020 | Biological | Covid-19 |
| December 2018 | Hurricane | Tropical Storm Michael |
| September 2018 | Hurricane | Hurricane Florence |
| October 2012 | Hurricane | Hurricane Sandy |
| July 2012 | Severe Storm | Severe Storms and Straight-Line Winds |
| November 2011 | Earthquake | Earthquake |
| April 2010 | Snowstorm | Severe Winter Storms and Snowstorms |
Showing the 10 most recent of 23 declarations.
Source: FEMA Disaster Declarations Summaries (OpenFEMA).
Frequently Asked Questions
What is the overall natural disaster risk for Fluvanna County?
Fluvanna County has a composite FEMA National Risk Index score of 13.5 out of 100, placing it in the Very Low category and the 13th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Fluvanna County?
The three highest-rated hazards are Hurricane (Low, $534K EAL), Earthquake (Low, $756K EAL), Drought (Low, $358K EAL). These account for most of the county's expected annual losses.
How does Fluvanna County compare to other Virginia counties?
Fluvanna County ranks #96 of 133 Virginia counties for overall natural disaster risk, with a very low rating.
How many federally declared disasters has Fluvanna County had?
FEMA records 23 federal disaster declarations for Fluvanna County since 1969, most often 7 for hurricane events and 4 for severe 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. Fluvanna County's $6M EAL is a statistical average, not a guarantee for any specific year or address.