Natural hazards · Exmore

Exmore, VA natural hazards

Most of the natural-hazard damage FEMA expects in Exmore comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2003. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Exmore?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Exmore to be higher than in 67% of U.S. communities, mostly from hurricanes and strong winds.

Hurricanes50%Strong wind18%Inland flooding12%Drought9%Everything else11%

By hazard

What Exmore faces

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

Hurricanes

50% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 4 years in the area

Strong wind

18% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 2 years in the area

Inland flooding

12% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about once every 3 years in the area

Drought

9% of expected damage

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

AvalanchesTsunamisVolcanic 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 Exmore flood?

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

5paid claims since 2003

$83Kpaid to owners

1homes flooded more than once

20032026

Biggest named events

Hurricane Matthew: 1 claim, $30K
Hurricane Isabel: 1 claim, $5K
November 2009 Nor'easter: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Northampton County.

Disasters that hit Exmore

2 federal disasters brought FEMA money here

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

Brought FEMA money into ExmoreDeclared for Northampton County only

2009

Severe Storms and Flooding Associated With Tropical Depression Ida and a Nor'east

$18K to the Town of Exmore for repairs

2003

Hurricane Isabel

19 households applied for aid $17K aid approved $15K to the Town of Exmore for repairs

Northampton County has had 17 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. Exmore 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 Exmore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Exmore. 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.