Liberty Hall · Photo: Nyttend · Public domainFEMA puts Timberlake’s expected hazard damage per building below that of 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Timberlake gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns, #19 of 253 in Virginia. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 5 claims here since 1992.
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 Timberlake 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 Timberlake’s grade
River and rain flooding is 78% of the building damage FEMA expects in Timberlake, and Timberlake’s rate of river and rain flooding damage is lower than 84% of U.S. census tracts. Next is hurricanes at 8% (higher than 68% of U.S. census tracts).
A+ #19 of 253 in Virginia; lower expected damage per building than 97% of U.S. towns (21,298).
Timberlake’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, Timberlake has less expected damage per building than 93% of Virginia towns.
In dollars, FEMA expects about $1.8M a year in losses across Timberlake: $1.4M to buildings, the rest to people and crops.
Does Timberlake flood? Rarely: 5 flood claims since 1992
Every paid claim on a federal flood insurance policy in Timberlake, from FEMA’s records: 0.9 per 1,000 homes, fewer than 81% of the 13,809 U.S. towns with a flood insurance record.
Timberlake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Campbell County.The storms Timberlake remembers
None of the 21 disasters declared for Campbell County shows FEMA aid or repair money reaching Timberlake itself in FEMA’s records, so these are its biggest flood-claim years.
- 20182 flood claims paidThe year of Tropical Storm Michael, declared for Campbell County
- 19921 flood claims paidNo declaration for the county that year
- 19961 flood claims paidThe year of Hurricane Fran and Associated Severe Storm Cond, declared for Campbell County
Campbell County has had 21 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Timberlake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Timberlake archive →Timberlake and its neighbors
Timberlake has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
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 Timberlake 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 Timberlake
Is Timberlake at risk for natural disasters?
On FEMA’s National Risk Index, Timberlake has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk, #19 of 253 in Virginia. Most of the expected damage is river and rain flooding (78%) and hurricanes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Timberlake flood?
Flood insurance has paid 5 claims in Timberlake since 1992, $48K in all, or 0.9 per 1,000 homes, fewer than 81% of U.S. towns with a flood insurance record.
Is Timberlake 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 Campbell County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Timberlake?
FEMA’s Community Rating System list shows no discount for Timberlake’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Timberlake at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Timberlake’s rate for it is lower than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Timberlake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Timberlake’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.