Natural hazards · White Stone

White Stone, VA natural hazards

Most of the natural-hazard damage FEMA expects in White Stone comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1985. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is White Stone?

High

vs. U.S. communities

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

Hurricanes43%Inland flooding19%Coastal flooding16%Drought9%Everything else14%

By hazard

What White Stone faces

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

Hurricanes

43% of expected damage

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

Recorded about once every 6 years in the area

Inland flooding

19% of expected damage

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

Recorded about once every 3 years in the area

Coastal flooding

16% of expected damage

Well above average · among the top 1% of U.S. places

Drought

9% of expected damage

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce 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 White Stone flood?

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

5paid claims since 1985

$64Kpaid to owners

0homes flooded more than once

19852026

Biggest named events

Tropical Storm Ernesto: 2 claims, $58K
Hurricane Isabel: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lancaster County.

What’s been done with FEMA grants

13homes raised above flood level

Disasters that hit White Stone

1 federal disaster brought FEMA money here

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

Brought FEMA money into White StoneDeclared for Lancaster County only

2003

Hurricane Isabel

244 households applied for aid $254K aid approved $2K to the Town of White Stone for repairs

Lancaster 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. White Stone 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 White Stone’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of White Stone. 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.