Photo: Ser Amantio di Nicolao at English Wikipedia · CC BY-SA 3.0On FEMA’s figures, King George faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, King George gets a B− for hazard risk: lower expected damage per building than 50% of U.S. towns, #214 of 253 in Virginia. Most of that expected damage is river and rain flooding (52%), then hurricanes (40%). FEMA’s files show no paid flood insurance claims here.
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 King George 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
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 King George’s grade
River and rain flooding is 52% of the building damage FEMA expects in King George, and King George’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is hurricanes at 40% (higher than 88% of U.S. census tracts).
B− #214 of 253 in Virginia; lower expected damage per building than 50% of U.S. towns (21,298).
King George’s residents live in 3 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, King George has more expected damage per building than 85% of Virginia towns.
In dollars, FEMA expects about $1.6M a year in losses across King George: $1.3M to buildings, the rest to people and crops.
Does King George flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in King George. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
King George isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: King George County.2 federal disasters brought FEMA money to King George
Disasters that paid out in King George itself (aid to households or repair grants to King George), newest first, with that year’s flood claims.
- 2011Earthquake150 households applied for aid$167K aid approved
- 2003Hurricane Isabel141 households applied for aid$70K aid approved
King George County has had 23 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of King George after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the King George archive →Get ready for what King George 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.
- 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 King George
Is King George at risk for natural disasters?
On FEMA’s National Risk Index, King George has lower expected damage per building than 50% of U.S. towns: B− for hazard risk, #214 of 253 in Virginia. Most of the expected damage is river and rain flooding (52%) and hurricanes (40%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is King George 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 King George County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in King George?
FEMA’s Community Rating System list shows no discount for King George’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 King George?
By FEMA money that reached King George, Earthquake (2011): 150 households applied for aid, $167K approved.
Is King George at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (52%), and King George’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in King George.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where King George’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.