Natural hazards · Fincastle

Fincastle, VA natural hazards

Most of the natural-hazard damage FEMA expects in Fincastle comes from inland flooding, and overall the risk is 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 Fincastle?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fincastle to be higher than in 25% of U.S. communities, mostly from inland flooding.

Inland flooding74%Cold waves10%Strong wind6%Everything else11%

By hazard

What Fincastle faces

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

Inland flooding

74% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

10% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Above average · higher than 72% 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 Fincastle flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fincastle 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 Fincastle

1 federal disaster brought FEMA money here

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

Brought FEMA money into FincastleDeclared for Botetourt County only

2004

Severe Storms and Flooding From the Remanants of Hurricane Jeanne

2 households applied for aid $4K 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. Fincastle 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 Fincastle’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fincastle. 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.