Natural hazards · Chamberlayne

Chamberlayne, VA natural hazards

Most of the natural-hazard damage FEMA expects in Chamberlayne comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1978.

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

Expected damage

How exposed is Chamberlayne?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chamberlayne to be higher than in 10% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding54%Earthquakes21%Tornadoes8%Everything else17%

By hazard

What Chamberlayne faces

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

Inland flooding

54% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once a year in the area

Earthquakes

21% of expected damage

Well above average · higher than 77% of U.S. places

Tornadoes

8% of expected damage

Below average · higher than 47% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Chamberlayne flood?

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

3paid claims since 1978

$45Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henrico County.

Disasters that hit Chamberlayne

Federal disasters declared here

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

Brought FEMA money into ChamberlayneDeclared for Henrico County only

Henrico County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Chamberlayne

Chamberlayne and the towns around it

Very lowLowModerateHighVery high

Glen Allenmostly inland floodingVery low

Mechanicsvillemostly inland floodingVery low

Chamberlaynemostly 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. Chamberlayne covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Chamberlayne’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Chamberlayne. 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 Chamberlayne total about $1.2M 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.