Natural hazards · Union Hall

Union Hall, VA natural hazards

Most of the natural-hazard damage FEMA expects in Union Hall comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 1992.

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

Expected damage

How exposed is Union Hall?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union Hall to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else16%

By hazard

What Union Hall faces

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

Inland flooding

85% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Union Hall flood?

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

3paid claims since 1992

$16Kpaid to owners

0homes flooded more than once

19922026

Biggest named events

November 2009 Nor'easter: 1 claim, $2K
Tropical Storm Ivan: 1 claim, $13K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Union Hall

Federal disasters declared here

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

Brought FEMA money into Union HallDeclared for Franklin County only

Franklin County has had 19 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Union Hall

Union Hall and the towns around it

Very lowLowModerateHighVery high

North Shoremostly inland floodingHigh

Union Hallmostly inland floodingHigh

Penhookmostly inland floodingHigh

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. Union Hall covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Union Hall’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Union Hall. 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 Union Hall total about $1.1M 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.