Natural hazards · Chatham Heights

Chatham Heights, VA natural hazards

Most of the natural-hazard damage FEMA expects in Chatham Heights comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Chatham Heights?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chatham Heights to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding71%Hurricanes5%Tornadoes5%Everything else19%

By hazard

What Chatham Heights faces

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

Inland flooding

71% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 12 years in the area

Tornadoes

5% of expected damage

Above average · higher than 52% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Chatham Heights flood?

FEMA's records show no paid flood insurance claims in Chatham Heights.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stafford County.

Disasters that hit Chatham Heights

Federal disasters declared here

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

Brought FEMA money into Chatham HeightsDeclared for Stafford County only

Stafford County has had 18 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Chatham Heights

Chatham Heights and the towns around it

Very lowLowModerateHighVery high

Chatham Heightsmostly inland floodingModerate

Falmouthmostly inland floodingLow

Fredericksburgmostly inland floodingLow

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. Chatham Heights is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.