Natural hazards · Cave Spring

Cave Spring, VA natural hazards

Most of the natural-hazard damage FEMA expects in Cave Spring comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 64 claims here since 1978.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Cave Spring?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cave Spring to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding69%Strong wind10%Cold waves6%Everything else16%

By hazard

What Cave Spring faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

69% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 2 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Cave Spring flood?

Every paid claim on a federal flood insurance policy in Cave Spring, from FEMA’s records.

64paid claims since 1978

$1.3Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Michael: 11 claims, $525K
Tropical Storm Ivan: 5 claims, $35K
Hurricane Fran: 3 claims, $36K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cave Spring isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Roanoke County.

Disasters that hit Cave Spring

Federal disasters declared here

None of the disasters declared for Roanoke County shows FEMA aid or repair money reaching Cave Spring itself in FEMA’s records.

Brought FEMA money into Cave SpringDeclared for Roanoke County only

Roanoke County has had 21 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Cave Spring

Cave Spring and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingModerate

Roanokemostly inland floodingLow

Cave Springmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Cave Spring covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Cave Spring’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cave Spring. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Cave Spring total about $4.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.