Natural hazards · Crozet

Crozet, VA natural hazards

Most of the natural-hazard damage FEMA expects in Crozet comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Crozet?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Crozet to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding79%Hurricanes5%Strong wind5%Everything else11%

By hazard

What Crozet faces

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

Inland flooding

79% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

5% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 14 years in the area

Strong wind

5% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat 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 Crozet flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Albemarle County.

Disasters that hit Crozet

2 federal disasters brought FEMA money here

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

Brought FEMA money into CrozetDeclared for Albemarle County only

2011

Earthquake

10 households applied for aid $15K aid approved

2003

Hurricane Isabel

6 households applied for aid $19K aid approved

Albemarle County has had 23 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. Crozet covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Crozet’s own flood-insurance community; household aid to the registrant’s city; repair grants to Crozet. 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 Crozet total about $2.7M 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.