Natural hazards · Toms Brook

Toms Brook, VA natural hazards

Most of the natural-hazard damage FEMA expects in Toms Brook comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Toms Brook?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toms Brook to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding72%Hurricanes10%Strong wind6%Everything else13%

By hazard

What Toms Brook faces

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

Inland flooding

72% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

10% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 16 years in the area

Strong wind

6% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 5 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Toms Brook flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shenandoah County.

Disasters that hit Toms Brook

1 federal disaster brought FEMA money here

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

Brought FEMA money into Toms BrookDeclared for Shenandoah County only

2003

Hurricane Isabel

4 households applied for aid $5K aid approved

Shenandoah County has had 21 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. Toms Brook 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 Toms Brook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Toms Brook. 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.