Natural hazards · Stuarts Draft

Stuarts Draft, VA natural hazards

Most of the natural-hazard damage FEMA expects in Stuarts Draft comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2024. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Stuarts Draft?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stuarts Draft to be higher than in 16% of U.S. communities, mostly from inland flooding.

Inland flooding63%Hurricanes7%Strong wind6%Hail5%Everything else18%

By hazard

What Stuarts Draft faces

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

Inland flooding

63% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

7% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 17 years in the area

Strong wind

6% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

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 Stuarts Draft flood?

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

1paid claims since 2024

$13Kpaid to owners

0homes flooded more than once

20242026

Biggest named events

Hurricane Helene: 1 claim, $13K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Augusta County.

Disasters that hit Stuarts Draft

1 federal disaster brought FEMA money here

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

Brought FEMA money into Stuarts DraftDeclared for Augusta County only

2003

Hurricane Isabel

41 households applied for aid $51K aid approved

Augusta County has had 22 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Stuarts Draft

Stuarts Draft and the towns around it

Very lowLowModerateHighVery high

Sherandomostly inland floodingHigh

Lyndhurstmostly inland floodingLow

Stuarts Draftmostly inland floodingVery low

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. Stuarts Draft covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Stuarts Draft’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Stuarts Draft. 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 Stuarts Draft total about $2.3M 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.