Natural hazards · Urbanna

Urbanna, VA natural hazards

Most of the natural-hazard damage FEMA expects in Urbanna comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 2003. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Urbanna?

Moderate

vs. U.S. communities

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

Hurricanes47%Inland flooding20%Drought11%Everything else22%

By hazard

What Urbanna faces

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

Hurricanes

47% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 6 years in the area

Inland flooding

20% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once every 3 years in the area

Drought

11% of expected damage

Recorded about 2 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

AvalanchesTsunamisVolcanic 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 Urbanna flood?

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

10paid claims since 2003

$278Kpaid to owners

2homes flooded more than once

20032026

Biggest named events

Hurricane Isabel: 6 claims, $238K
Tropical Storm Ernesto: 4 claims, $40K

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. Urbanna isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Middlesex County.

Disasters that hit Urbanna

1 federal disaster brought FEMA money here

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

Brought FEMA money into UrbannaDeclared for Middlesex County only

2003

Hurricane Isabel

190 households applied for aid $74K aid approved $217K to the Town of Urbanna for repairs

Middlesex County has had 19 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. Urbanna 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 Urbanna’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Urbanna. 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.