Louisa County
Virginia — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 32th
Louisa County faces very low composite natural disaster risk (NRI Risk Index score 32.2, 32th national percentile), driven primarily by hurricane and earthquake exposure. Expected annual loss across all 18 hazard types is $10M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hurricane | Low | 0.08 / yr | $2M |
| Earthquake | Low | 0.00 / yr | $1M |
| Lightning | Medium | 40.46 / yr | $543K |
| Drought | Medium | 4.88 / yr | $457K |
| Strong Wind | Low | 3.48 / yr | $551K |
| Heat Wave | Low | 3.64 / yr | $241K |
| Riverine Flood | Low | 0.54 / yr | $4M |
| Tornado | Low | 0.26 / yr | $603K |
| Landslide | Very Low | 0.44 / yr | $381 |
| Ice Storm | Low | 0.79 / yr | $32K |
| Hail | Very Low | 2.85 / yr | $104K |
| Wildfire | Very Low | 0.00 / yr | $9K |
| Winter Weather | Very Low | 6.29 / yr | $9K |
| Cold Wave | Very Low | 0.68 / yr | $27K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Louisa County?
Louisa County has a composite FEMA National Risk Index score of 32.2 out of 100, placing it in the Very Low category and the 32th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Louisa County?
The three highest-rated hazards are Hurricane (Low, $2M EAL), Earthquake (Low, $1M EAL), Lightning (Medium, $543K EAL). These account for most of the county's expected annual losses.
How does Louisa County compare to other Virginia counties?
Louisa County ranks #61 of 133 Virginia counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Louisa County's $10M EAL is a statistical average, not a guarantee for any specific year or address.