Natural hazards · Hamilton

Hamilton, VA natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hamilton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes6%Heat waves5%Hurricanes5%Everything else16%

By hazard

What Hamilton faces

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

Inland flooding

68% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 52 years in the area

Heat waves

5% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

5% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 11 years in the area

Lower here

HailIce stormsWinter weatherCold 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 Hamilton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Loudoun County.

Disasters that hit Hamilton

3 federal disasters brought FEMA money here

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

Brought FEMA money into HamiltonDeclared for Loudoun County only

2010

Severe Winter Storms and Snowstorms

$5K to the Town of Hamilton for repairs

2003

Hurricane Isabel

4 households applied for aid $5K aid approved

2003

Severe Winter Storm, Record/Near Record Snowfall, Heavy Rain,floodind, and Mudslide

$1K to the Town of Hamilton for repairs

Loudoun County has had 13 natural disasters declared since 1953, most often winter storms and hurricanes.

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