On FEMA’s figures, Stone Ridge faces less hazard damage per building than 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stone Ridge gets an A− for hazard risk: lower expected damage per building than 81% of U.S. towns, #126 of 253 in Virginia. Most of that expected damage is river and rain flooding (84%). 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 Stone Ridge 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 Stone Ridge’s grade
River and rain flooding is 84% of the building damage FEMA expects in Stone Ridge, and Stone Ridge’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Next is hurricanes at 5% (higher than 66% of U.S. census tracts).
A− #126 of 253 in Virginia; lower expected damage per building than 81% of U.S. towns (21,298).
Stone Ridge’s residents live in 2 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, Stone Ridge has less expected damage per building than 50% of Virginia towns.
In dollars, FEMA expects about $1.4M a year in losses across Stone Ridge: $979K to buildings, the rest to people and crops.
Does Stone Ridge flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Stone Ridge. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Stone Ridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Loudoun County.The storms Stone Ridge remembers
None of the 12 disasters declared for Loudoun County shows FEMA aid or repair money reaching Stone Ridge itself in FEMA’s records, so these are its biggest flood-claim years.
Loudoun County has had 12 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.
Stone Ridge and its neighbors
Stone Ridge 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 |
|---|---|---|---|
| Stone Ridge | A−less damage than 81% | river and rain flooding | 0 |
| South Riding | B+less damage than 70% | river and rain flooding | 2 |
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 Stone Ridge 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 Stone Ridge
Is Stone Ridge at risk for natural disasters?
On FEMA’s National Risk Index, Stone Ridge has lower expected damage per building than 81% of U.S. towns: A− for hazard risk, #126 of 253 in Virginia. Most of the expected damage is river and rain flooding (84%) and hurricanes (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Stone Ridge 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 Loudoun County, 91% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Stone Ridge?
FEMA’s Community Rating System list shows no discount for Stone Ridge’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Stone Ridge at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Stone Ridge’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stone Ridge.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stone Ridge’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.