Natural hazards · Cloverdale

Cloverdale, VA natural hazards

Most of the natural-hazard damage FEMA expects in Cloverdale comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cloverdale?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloverdale to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding71%Strong wind10%Cold waves5%Everything else14%

By hazard

What Cloverdale 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

Below average · higher than 31% 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

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Cloverdale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Botetourt County.

Disasters that hit Cloverdale

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Cloverdale itself: aid to households, or repair grants to Cloverdale.

Brought FEMA money into CloverdaleDeclared for Botetourt County only

2004

Severe Storms and Flooding From the Remanants of Hurricane Jeanne

2 households applied for aid $8K aid approved

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

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. Cloverdale 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 Cloverdale’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cloverdale. 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.