Natural hazards · Midlothian

Midlothian, VA natural hazards

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

Low

vs. U.S. communities

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

Inland flooding69%Earthquakes8%Hurricanes7%Tornadoes6%Everything else10%

By hazard

What Midlothian faces

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

Inland flooding

69% of expected damage

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

Recorded about once a year in the area

Earthquakes

8% of expected damage

Above average · higher than 68% of U.S. places

Hurricanes

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 8 years in the area

Tornadoes

6% of expected damage

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

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Midlothian flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Chesterfield County.

Disasters that hit Midlothian

2 federal disasters brought FEMA money here

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

Brought FEMA money into MidlothianDeclared for Chesterfield County only

2004

Severe Storms, Flooding and Tornadoes Associated W Td Gaston

25 households applied for aid $24K aid approved

2003

Hurricane Isabel

1,045 households applied for aid $241K aid approved

Chesterfield County has had 22 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. Midlothian covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Midlothian’s own flood-insurance community; household aid to the registrant’s city; repair grants to Midlothian. 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 Midlothian total about $2.0M 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.