Natural hazards · Scotland

Scotland, VA natural hazards

Most of the natural-hazard damage FEMA expects in Scotland comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Scotland?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scotland to be higher than in 17% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding35%Hurricanes21%Drought19%Tornadoes6%Everything else20%

By hazard

What Scotland faces

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

Inland flooding

35% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

21% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 5 years in the area

Drought

19% of expected damage

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 15 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Scotland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Surry County.

Disasters that hit Scotland

Federal disasters declared here

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

Brought FEMA money into ScotlandDeclared for Surry County only

Surry County has had 17 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. Scotland 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 Scotland’s own flood-insurance community; household aid to the registrant’s city; repair grants to Scotland. 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.