Natural hazards · Waterford

Waterford, VA natural hazards

Most of the natural-hazard damage FEMA expects in Waterford comes from inland flooding, and overall the risk is very low 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 Waterford?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterford to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding64%Drought7%Tornadoes6%Hurricanes6%Heat waves6%Everything else11%

By hazard

What Waterford 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 34% of U.S. places

Recorded about 3 times a year in the area

Drought

7% of expected damage

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 27 years in the area

Hurricanes

6% of expected damage

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

Recorded about once every 11 years in the area

Heat waves

6% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

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 Waterford flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Loudoun County.

Disasters that hit Waterford

1 federal disaster brought FEMA money here

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

Brought FEMA money into WaterfordDeclared for Loudoun County only

2003

Hurricane Isabel

2 households applied for aid $8K aid approved

Loudoun County has had 13 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. Waterford 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 Waterford’s own flood-insurance community; household aid to the registrant’s city; repair grants to Waterford. 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.

Waterford, VA natural hazards

How exposed is Waterford?

What Waterford faces

Inland flooding

Drought

Tornadoes

Hurricanes

Heat waves

Lower here

Not a risk here

Does Waterford flood?

1 federal disaster brought FEMA money here

Hurricane Isabel

How to read this page

Where to, neighbor?

Matches

Nearby