Natural hazards · Modest

Modest, VA natural hazards

Most of the natural-hazard damage FEMA expects in Modest comes from hurricanes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Modest?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Modest to be higher than in 68% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes66%Inland flooding21%Everything else14%

By hazard

What Modest faces

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

Hurricanes

66% 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 15% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce 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 Modest flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Modest 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 Modest

Federal disasters declared here

None of the disasters declared for Accomack County shows FEMA aid or repair money reaching Modest itself in FEMA’s records.

Brought FEMA money into ModestDeclared for Accomack County only

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. Modest covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Modest’s own flood-insurance community; household aid to the registrant’s city; repair grants to Modest. 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 Modest total about $1.4M 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.