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B+Hazard risk
Natural hazards in Belmont Estates · FEMA

FEMA expects less hazard damage per building in Belmont Estates than in 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Belmont Estates gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (89%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 89%Hurricanes 4%Earthquakes 3%

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

less than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Virginia · lower than 67% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 17 declared for Rockingham County
By hazard

What Belmont Estates 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

89%of expected building damage
About average · higher than 59% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Earthquakes Tornadoes Hail Winter storms Strong wind Cold waves top 2% Lightning Ice storms Wildfire Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic 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.
Hazard risk grade

What’s behind Belmont Estates’ grade

River and rain flooding is 89% of the building damage FEMA expects in Belmont Estates, and Belmont Estates’ rate of river and rain flooding damage is higher than 59% of U.S. census tracts.

Where Belmont Estates sits
Belmont Estates
Least damageMiddleMost damage

B+ lower expected damage per building than 67% of U.S. towns (21,298).

All of Belmont Estates’ residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding89%Hurricanes4%Earthquakes3%Everything else4%

In dollars, FEMA expects about $335K a year in losses across Belmont Estates: $258K to buildings, the rest to people and crops.

Shared tract.All of Belmont Estates’ 1,263 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Belmont Estates flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Belmont Estates. 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

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

Insurance rates: Rockingham County.
Disasters

The storms Belmont Estates remembers

None of the 17 disasters declared for Rockingham County shows FEMA aid or repair money reaching Belmont Estates itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Belmont EstatesRockingham County only

Rockingham County has had 17 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 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Rockingham County, 2011–2011.

Be ready

Get ready for what Belmont Estates 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 Belmont Estates

Is Belmont Estates at risk for natural disasters?

On FEMA’s National Risk Index, Belmont Estates has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (89%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Belmont Estates 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 Rockingham County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Belmont Estates?

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

Is Belmont Estates at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Belmont Estates’ rate for it is higher than 59% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Belmont Estates.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Belmont Estates’ 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.