Natural hazards · Horntown

Horntown, VA natural hazards

Most of the natural-hazard damage FEMA expects in Horntown comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2016. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Horntown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Horntown to be higher than in 76% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes56%Inland flooding21%Coastal flooding13%Everything else10%

By hazard

What Horntown faces

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

Hurricanes

56% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

21% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 2 years in the area

Coastal flooding

13% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Horntown flood?

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

1paid claims since 2016

$6Kpaid to owners

0homes flooded more than once

20162026

Biggest named events

Hurricane Matthew: 1 claim, $6K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Accomack County.

Disasters that hit Horntown

1 federal disaster brought FEMA money here

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

Brought FEMA money into HorntownDeclared for Accomack County only

2003

Hurricane Isabel

6 households applied for aid $3K aid approved

Accomack County has had 15 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. Horntown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Horntown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Horntown. 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 Horntown total about $2.6M 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.