Natural hazards · Spotsylvania Courthouse

Spotsylvania Courthouse, VA natural hazards

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

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

Expected damage

How exposed is Spotsylvania Courthouse?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spotsylvania Courthouse to be higher than in 27% of U.S. communities, mostly from inland flooding.

Inland flooding64%Earthquakes7%Heat waves7%Strong wind7%Tornadoes6%Everything else10%

By hazard

What Spotsylvania Courthouse faces

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

Inland flooding

64% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Earthquakes

7% of expected damage

Above average · higher than 66% of U.S. places

Heat waves

7% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 6 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 50% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Spotsylvania Courthouse flood?

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

of all homes
are insured

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

Insurance rates: Spotsylvania County.

Disasters that hit Spotsylvania Courthouse

Federal disasters declared here

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

Brought FEMA money into Spotsylvania CourthouseDeclared for Spotsylvania County only

Spotsylvania County has had 17 natural disasters declared since 1953, most often winter storms and hurricanes.

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. Spotsylvania Courthouse covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spotsylvania Courthouse’s own flood-insurance community; household aid to the registrant’s city; repair grants to Spotsylvania Courthouse. 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 Spotsylvania Courthouse total about $839K 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.

Spotsylvania Courthouse, VA natural hazards

How exposed is Spotsylvania Courthouse?

What Spotsylvania Courthouse faces

Inland flooding

Earthquakes

Heat waves

Strong wind

Tornadoes

Lower here

Not a risk here

Does Spotsylvania Courthouse flood?

Federal disasters declared here

How to read this page

Where to, neighbor?

Matches

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