Photo: Morgan Riley · CC BY 3.0On FEMA’s figures, Midlothian faces less hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Midlothian gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #147 of 253 in Virginia. Most of that expected damage is river and rain flooding (76%), then earthquakes (10%). 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 Midlothian 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
Earthquakes
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 Midlothian’s grade
River and rain flooding is 76% of the building damage FEMA expects in Midlothian, and Midlothian’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Next is earthquakes at 10% (higher than 72% of U.S. census tracts).
A− #147 of 253 in Virginia; lower expected damage per building than 78% of U.S. towns (21,298).
Midlothian’s residents live in 4 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, Midlothian has more expected damage per building than 58% of Virginia towns.
In dollars, FEMA expects about $4.0M a year in losses across Midlothian: $3.4M to buildings, the rest to people and crops.
Does Midlothian flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Midlothian. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Midlothian isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chesterfield County.3 federal disasters brought FEMA money to Midlothian
Disasters that paid out in Midlothian itself (aid to households or repair grants to Midlothian), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene6 households applied for aid$1K aid approved
- 2004Severe Storms, Flooding and Tornadoes Associated W Td Gaston25 households applied for aid$24K aid approved
- 2003Hurricane Isabel1,045 households applied for aid$241K aid approved
Chesterfield County has had 21 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Midlothian after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Midlothian archive →Midlothian and its neighbors
Midlothian has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Midlothian | A−less damage than 78% | river and rain flooding | 0 |
| Brandermill | B−more damage than 52% | river and rain flooding | 5 |
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 Midlothian 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Midlothian
Is Midlothian at risk for natural disasters?
On FEMA’s National Risk Index, Midlothian has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #147 of 253 in Virginia. Most of the expected damage is river and rain flooding (76%) and earthquakes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Midlothian 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 Chesterfield County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Midlothian?
FEMA’s Community Rating System list shows no discount for Midlothian’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 Midlothian?
By FEMA money that reached Midlothian, Hurricane Isabel (2003): 1,045 households applied for aid, $241K approved.
Is Midlothian at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Midlothian’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Midlothian.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Midlothian’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.