Natural hazards · Scottsville

Scottsville, VA natural hazards

Most of the natural-hazard damage FEMA expects in Scottsville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 66 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Scottsville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scottsville to be higher than in 56% of U.S. communities, mostly from inland flooding and drought.

Inland flooding55%Drought25%Hurricanes5%Everything else14%

By hazard

What Scottsville faces

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

Inland flooding

55% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 3 times a year in the area

Drought

25% of expected damage

Recorded about 5 times a year in the area

Hurricanes

5% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Scottsville flood?

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

66paid claims since 1978

$906Kpaid to owners

13homes flooded more than once

19782026

Biggest named events

Hurricane Florence: 1 claim, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Albemarle County.

Disasters that hit Scottsville

4 federal disasters brought FEMA money here

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

Brought FEMA money into ScottsvilleDeclared for Albemarle County only

2024

Tropical Storm Helene

1 household applied for aid

2011

Earthquake

65 households applied for aid $118K aid approved

2009

Severe Winter Storm and Snowstorm

$9K to the Town of Scottsville for repairs

2003

Hurricane Isabel

10 households applied for aid $5K aid approved

Albemarle County has had 23 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. Scottsville 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 Scottsville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Scottsville. 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.