Property Atlas

County hazard profile

Westmoreland, VA

Virginia · pop. 18,477 · FIPS 51193

Very Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$9M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Westmoreland $9M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 37.37/100
national median ~50 lower than most counties (37th percentile)
Social vulnerabilityRelatively High 74.24/100
national median ~50 near the national middle (74th percentile)
Community resilienceRelatively High 61.7/100
national median ~50 near the national middle (62nd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Westmoreland

The National Flood Insurance Program has paid 230 flood-insurance claims totaling $6.5M in Westmoreland since 1978. The costliest year was 2003 ($4.4M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1980: $0 paid 1985: $21,077 paid 1993: $0 paid 1994: $0 paid 1996: $311,638 paid 1998: $8,001 paid 1999: $926 paid 2003: $4,351,360 paid 2004: $30,000 paid 2005: $6,437 paid 2006: $1,317,820 paid 2008: $64,101 paid 2009: $1,511 paid 2010: $6,510 paid 2011: $138,995 paid 2015: $0 paid 2018: $7,641 paid 2020: $108,813 paid 2021: $151,070 paid 2023: $0 paid 2003 · $4.4M 1978 2023
$6.5M
total paid
$28,373
average claim
$869K
largest single claim
62%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Westmoreland, VA and where it ranks among U.S. counties. It is not a verdict on whether Westmoreland is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.