On FEMA’s figures, Triangle faces less hazard damage per building than 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Triangle gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #115 of 253 in Virginia. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 2 claims here since 1996.
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 stands out about Triangle’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Triangle 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 Triangle’s grade
River and rain flooding is 79% of the building damage FEMA expects in Triangle, and Triangle’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is hurricanes at 8% (higher than 70% of U.S. census tracts).
A− #115 of 253 in Virginia; lower expected damage per building than 84% of U.S. towns (21,298).
Triangle’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, Triangle has less expected damage per building than 55% of Virginia towns.
In dollars, FEMA expects about $1.2M a year in losses across Triangle: $936K to buildings, the rest to people and crops.
Does Triangle flood? Rarely: 2 flood claims since 1996
Every paid claim on a federal flood insurance policy in Triangle, from FEMA’s records: 0.6 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.
Triangle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Prince William County.1 federal disaster brought FEMA money to Triangle
Disasters that paid out in Triangle itself (aid to households or repair grants to Triangle), newest first, with that year’s flood claims.
- 2003Hurricane Isabel12 households applied for aid$6K aid approved
Prince William County has had 16 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.
Old photos of Triangle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Triangle archive →Triangle and its neighbors
Triangle is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Quantico Base | A+among the lowest damage | river and rain flooding | — |
| Cherry Hill | Aless damage than 89% | river and rain flooding | 3 |
| Dumfries | Aless damage than 87% | river and rain flooding | 4 |
| Triangle | A−less damage than 84% | 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 Triangle 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 Triangle
Is Triangle at risk for natural disasters?
On FEMA’s National Risk Index, Triangle has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #115 of 253 in Virginia. Most of the expected damage is river and rain flooding (79%) and hurricanes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Triangle flood?
Flood insurance has paid 2 claims in Triangle since 1996, $70K in all, or 0.6 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record.
Is Triangle 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 Prince William County, 46% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Triangle?
FEMA’s Community Rating System list shows no discount for Triangle’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 Triangle?
By FEMA money that reached Triangle, Hurricane Isabel (2003): 12 households applied for aid, $6K approved.
Is Triangle at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Triangle’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Triangle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Triangle’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.