Photo: PersianDutchNetwork · CC BY-SA 4.0On FEMA’s figures, Annandale faces less hazard damage per building than 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Annandale gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns, #73 of 253 in Virginia. Most of that expected damage is river and rain flooding (77%), then hurricanes (11%). Flood insurance has paid 8 claims here since 1985.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Annandale 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
Hurricanes
Earthquakes
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.
What’s behind Annandale’s grade
River and rain flooding is 77% of the building damage FEMA expects in Annandale, and Annandale’s rate of river and rain flooding damage is lower than 74% of U.S. census tracts. Next is hurricanes at 11% (higher than 74% of U.S. census tracts).
A #73 of 253 in Virginia; lower expected damage per building than 89% of U.S. towns (21,298).
Annandale’s residents live in 11 census tracts; FEMA’s figures are combined by where they live.
The typical Virginia town has lower expected damage than 81% of U.S. towns; within the state, Annandale has less expected damage per building than 71% of Virginia towns.
In dollars, FEMA expects about $5.9M a year in losses across Annandale: $4.6M to buildings, the rest to people and crops.
Does Annandale flood? Rarely: 8 flood claims since 1985
Every paid claim on a federal flood insurance policy in Annandale, from FEMA’s records: 0.6 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.
Annandale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fairfax County.1 federal disaster brought FEMA money to Annandale
Disasters that paid out in Annandale itself (aid to households or repair grants to Annandale), newest first, with that year’s flood claims.
- 2003Hurricane Isabel31 households applied for aid$17K aid approved
Fairfax County has had 16 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Annandale after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Annandale archive →Annandale and its neighbors
Annandale is 4th of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Woodburn | A+less damage than 96% | river and rain flooding | 9 |
| Springfield | A+less damage than 95% | river and rain flooding | 9 |
| Lincolnia | Aless damage than 94% | river and rain flooding | 17 |
| Annandale | Aless damage than 89% | river and rain flooding | 8 |
| West Falls Church | Aless damage than 87% | river and rain flooding | 76 |
| North Springfield | A−less damage than 83% | river and rain flooding | 5 |
| Wakefield | A−less damage than 83% | river and rain flooding | 10 |
| Lake Barcroft | B+less damage than 75% | river and rain flooding | 14 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Annandale faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Annandale
Is Annandale at risk for natural disasters?
On FEMA’s National Risk Index, Annandale has lower expected damage per building than 89% of U.S. towns: A for hazard risk, #73 of 253 in Virginia. Most of the expected damage is river and rain flooding (77%) and hurricanes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Annandale flood?
Flood insurance has paid 8 claims in Annandale since 1985, $43K in all, or 0.6 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record.
Is Annandale 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 Fairfax County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Annandale?
FEMA’s Community Rating System list shows no discount for Annandale’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 Annandale?
By FEMA money that reached Annandale, Hurricane Isabel (2003): 31 households applied for aid, $17K approved.
Is Annandale at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Annandale’s rate for it is lower than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Annandale.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Annandale’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.