Fredericksburg, Virginia: natural disaster risk
How exposed Fredericksburg is to floods, storms and other hazards, from FEMA and NOAA records for Fredericksburg City.
Fredericksburg is a city of 28,873 people in Fredericksburg City, Virginia. FEMA's National Risk Index rates Fredericksburg City very low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, earthquake and strong wind, with about $6.8 million in expected losses a year across the county. The weather service has logged 99 storm reports in the county since 1979, including 2 tornadoes and 17 floods. NOAA hurricane records show 2 hurricanes and 15 tropical storms passing within 65 miles of the county's center. About 1.1% of homes in the county carry federal flood insurance.
Risk figures are for Fredericksburg City. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Fredericksburg
Full Fredericksburg City report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $4M | |
| Earthquake | $629K | |
| Strong wind | $573K | |
| Lightning | $543K | |
| Tornado | $404K | |
| Heat wave | $343K | |
| Hurricane | $252K | |
| Hail | $116K | |
| Winter weather | $27K | |
| Cold wave | $20K | |
| Ice storm | $17K | |
| Wildfire | $1K |
Homes in Fredericksburg
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Fredericksburg City
Other cities in Virginia
All ›Common questions about Fredericksburg
Is Fredericksburg safe from natural disasters?
Fredericksburg is in Fredericksburg City, which FEMA's National Risk Index rates very low overall, lower than most of the US. The biggest hazards are inland flooding, earthquake, strong wind. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Fredericksburg?
By expected yearly losses in Fredericksburg City, the top hazards are inland flooding (Very Low), earthquake (Very Low), strong wind (Low). Fredericksburg City has been part of 17 federal disaster or emergency declarations for natural events.
Does Fredericksburg get tornadoes?
Yes. NOAA records list 2 tornadoes in Fredericksburg City since 1950; the strongest was an F1 tornado on July 24, 1999 near Fredericksburg. FEMA rates tornado risk in the county very low.
Do I need flood insurance in Fredericksburg?
Standard home insurance does not cover floods. In Fredericksburg City, about 1.1% of homes have federal flood insurance, and FEMA rates inland flooding risk very low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.