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–Not graded
Natural hazards in Virgie · FEMA

Storms, floods and disasters in Virgie

Virgie isn’t graded for hazard risk: Virgie has 424 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
7
of 39 declared for Pike County
By hazard

What Virgie faces

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

River and rain flooding

96%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Wildfire Earthquakes Hail Strong wind Tornadoes Hurricanes Winter storms Ice storms Cold waves Heat waves Landslides Lightning Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Virgie flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Virgie. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Pike County.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

7 federal disasters brought FEMA money to Virgie

Disasters that paid out in Virgie itself (aid to households or repair grants to Virgie), newest first, with that year’s flood claims.

  1. 2025Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides274 households applied for aid$2.4M aid approved
  2. 2022Severe Storms, Flooding, Landslides, and Mudslides303 households applied for aid$2.1M aid approved
  3. 2011Severe Storms, Tornadoes, and Flooding1 households applied for aid$5K aid approved
  4. 2009Severe Storms, Tornadoes, Flooding and Mudslides18 households applied for aid$74K aid approved
  5. 2004Severe Storms, Tornadoes, Flooding, and Mudslides11 households applied for aid$5K aid approved
  6. 2003Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes71 households applied for aid$117K aid approved
Show all 7
  1. 2003Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and10 households applied for aid$38K aid approved
Disasters declared, by decade
Paid out in VirgiePike County only

Pike County has had 39 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Pike County, 1999–2016.

Were you here?

Old photos of Virgie after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Virgie archive →
Be ready

Get ready for what Virgie faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Virgie

Is Virgie in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Pike County, 21% of homes in mapped flood zones carry federal flood insurance, and 3.5% of all homes do.

How much is flood insurance in Virgie?

FEMA’s Community Rating System list shows no discount for Virgie’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Virgie?

By FEMA money that reached Virgie, Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides (2025): 274 households applied for aid, $2.4M approved.

Storm stories

Memories, warnings and help from neighbors in Virgie.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Virgie’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.