---
title: Atlas Commons research objects — natural-hazard risk profile for VI
license: CC0-1.0
source: FEMA National Risk Index
---

# Atlas Commons research objects — natural-hazard risk profile for VI

VI's natural-hazard risk from public federal sources, with each figure's epistemic status labeled: recorded facts (NOAA storm events, property damage, and deaths for the 2025 storm year) are observations of what occurred; the cross-state rank is derived (an in-house ranking over the recorded single-year totals); rating figures (FEMA expected annual loss, FEMA NRI composite score, social vulnerability and community resilience indices) are models that authorities compute — not direct measurements; the two-lens and boundary notes are interpretation — state-level aggregates, not a verdict on any specific property. Sources: FEMA National Risk Index, NOAA Storm Events Database. CC0.

## Claims

### FEMA EXPECTED annual loss from natural hazards in VI is $144,955,620 (a modeled expectation)

**MODELED.** The FEMA National Risk Index models an EXPECTED annual loss of $144,955,620 from all natural hazards for VI (3 counties, 2026). An annualized expectation of future loss, not a record.

Source: FEMA National Risk Index — https://hazards.fema.gov/nri/
Falsifier: occurred=FALSE: a MODELED figure — an authority's computed quantity ESTIMATING an independent/latent value (an index or annualized expectation), REPRODUCIBLE from its disclosed inputs, NOT a record of an event. adjudged=TRUE because FEMA National Risk Index (an external authority) computes and publishes it. The grounding promises "reproduce this from the inputs" — so a categorical authority VERDICT that is NOT reproducible (a star rating, a risk class) is a 'determination', not 'modeled'. Superseded by the next release.

### RECORDED storm property damage in VI totals $8,700

**RECORDED.** NOAA Storm Events records $8,700 in property damage across 4 storm events that occurred in VI.

Source: NOAA Storm Events Database — https://www.ncdc.noaa.gov/stormevents/
Falsifier: A RECORD of measured/reported events (occurred=true) from NOAA Storm Events Database; superseded when NOAA Storm Events Database publishes its next release.

### What this risk profile is — and is NOT — for VI (the epistemic boundary)

**INTERPRETATION.** Every figure above is an official state-level figure from a named public authority (measured or rating, as labeled). They do NOT advise on a specific property's insurability, value, or whether to buy or insure it. For a property-level answer, use the FEMA Map Service Center and a licensed insurance producer.

Source: Property Atlas framing (over the FEMA/NOAA figures above) — https://property-atlas.ryanjhunter.workers.dev/
Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's boundary, not an authority's verdict) — the LOWEST-warrant claim here. The measured figures (NOAA storm loss) and the rating figures (FEMA expected loss, NRI score) above are each grounded; this is the only context note, and the four-status says so.

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Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://property-atlas.ryanjhunter.workers.dev/property/states/vi.jsonld`

## Data

### VI — every risk indicator (typed)

Each official figure for this state with its four-status warrant and named source. MODELED = an authority's computed index or expectation; RECORDED = an observed total.

| indicator | value | warrant | source |
| --- | --- | --- | --- |
| Expected annual loss (USD/yr) | 144955620 | MODELED | FEMA NRI |
| Counties in aggregate | 3 | — | FEMA NRI |
| Storm property damage (USD) | 8700 | RECORDED | NOAA Storm Events |
| Storm events recorded | 4 | RECORDED | NOAA Storm Events |
| Storm direct deaths | 0 | RECORDED | NOAA Storm Events |
| Mitigation dollars obligated (USD) | 764331 | RECORDED | FEMA BRIC/HMGP |
| Mitigation sub-applications | 11 | RECORDED | FEMA BRIC/HMGP |