Hazard Plain Preview: automated baseline

Bedford County, VA

Risk-assessment baseline packet

Unit
County area 51019
Release
2026-10
As of
2026-09-28
Storm Events data through
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

A starting point for the plan's risk assessment (FEMA Local Mitigation Plan Review Tool, Element B). It does not replace local data or FEMA review. Section headings say which FEMA review item each table supports; whether an item is satisfied is decided by the plan and its reviewers.

Hazard Plain release 2026-10, as of 2026-09-28. Independent product; not a FEMA document.

Plan clock

Status
Expired on 2026-02-08
Plan
PDC 11 Central Virginia Hazard Mitigation Plan (FEMA plan 107130)
Approved
2021-02-09
Expires
2026-02-08
As of
2026-09-28
Days
232 days since expiry
Update underway
none in FEMA's plan tracker

Generally not eligible for FEMA mitigation project grants (HMGP, FMA) until a new plan is approved, barring a 44 CFR 201.6(a)(3) exception. Planning grants are not affected.

What changed since your last plan (approved 2021-02-09)

New federal declarations
DR-4602-VA, DR-4644-VA, EM-3621-VA, DR-4831-VA, DR-4863-VA, EM-3631-VA (6 declaration rows; 5 counted incidents)
Storm Events records since approval
160 (data through 2026-06-30)
Repetitive loss now
FMA RL 0, SRL 2 (44 CFR 77.2); any definition: 4
Repeat-flood change
First release: no prior release to compare.

Sources

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)

Plan status for every jurisdiction listed in this county

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryUpdate underwayNotes
Bedford CountyCountyExpired on 2026-02-08PDC 11 Central Virginia Hazard Mitigation Plan (FEMA plan 107130)2021-02-092026-02-08-232
Bedford townTownExpired on 2026-02-08PDC 11 Central Virginia Hazard Mitigation Plan (FEMA plan 107130)2021-02-092026-02-08-232

Plan 107130 also lists 8 other participants not listed on this page (named in the XLSX file).

Source

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

State plan status and tribal plans in this state: see the state page.

Supports B1-a: hazards

Hazards NRI does not cover: check locally

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearEAL population equivalencestatistical value of life and injury, $13.7M per life, not property damageEAL total (see note)modeled dollars per yearStorm Events records since 1996countEvidence for an omissionNRI Not Applicable, no declaration and no Storm Events record since 1996Storm Events coverage note
1Inland FloodingRelatively LowRelatively Low$12,859,547$18,655$44,122$12,922,32483
2HurricaneRelatively LowRelatively Low$735,691$49,883$41,248$826,8211
3Strong WindRelatively ModerateRelatively Moderate$323,490$10,035$462,000$795,525416Includes 35 High Wind records and 6 Strong Wind records, event types the NRI definition of this hazard leaves out.
4DroughtRelatively ModerateRelatively Moderate$582,635$582,63519
5LightningRelatively ModerateRelatively Moderate$23,327$531,082$554,40924
6Cold WaveRelatively LowRelatively Low$12,425$48,678$451,209$512,31110Includes 6 Frost/Freeze records, event types the NRI definition of this hazard leaves out.
7EarthquakeRelatively LowRelatively Low$393,244$90,942$484,186Not in Storm Events. Storm Events coverage of this hazard is limited; absence is not evidence of low risk.
8TornadoVery LowRelatively Low$262,599$253$125,847$388,69912
9Heat WaveVery LowVery Low$11$9$153,409$153,4291
10WildfireRelatively LowRelatively Low$113,326$94$27,809$141,2291
11HailVery LowVery Low$45,189$8,760$54,554$108,503179
12Winter WeatherRelatively LowRelatively Moderate$4,390under $1$84,881$89,27260
13Ice StormRelatively LowRelatively Low$30,988$36,366$67,35413
14LandslideRelatively LowVery Low$207$3,189$3,3962
15AvalancheVery LowVery Lowunder $1$1,296$1,2960No recorded events in Storm Events since 1996 (data through 2026-06-30).
Coastal FloodingNot ApplicableNot Applicable0NRI rates coastal flooding Not Applicable for this county, and no federal declaration for this county names it.No recorded events in Storm Events since 1996 (data through 2026-06-30).
TsunamiNot ApplicableNot Applicable0NRI rates tsunami Not Applicable for this county, and no federal declaration for this county names it.No recorded events in Storm Events since 1996 (data through 2026-06-30). Storm Events coverage of this hazard is limited; absence is not evidence of low risk.
Volcanic ActivityNot ApplicableNot Applicable0NRI rates volcanic activity Not Applicable for this county, and no federal declaration for this county names it.No recorded events in Storm Events since 1996 (data through 2026-06-30). Storm Events coverage of this hazard is limited; absence is not evidence of low risk.

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Check your state hazard mitigation plan's hazard list for this county; explain any hazard you drop.

Supports B1-b: location

Where each hazard occurs

HazardLocationCensus tracts ratedrated of all tracts
AvalancheCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.6 of 20
Coastal FloodingCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.0 of 20
Cold WaveAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.20 of 20
DroughtAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.16 of 20
EarthquakeCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.20 of 20
HailAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.20 of 20
Heat WaveAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.20 of 20
HurricaneCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.20 of 20
Ice StormAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.20 of 20
Inland FloodingThe FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.20 of 20
LandslideCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.20 of 20
LightningAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.20 of 20
Strong WindAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.20 of 20
TornadoCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.20 of 20
TsunamiCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.0 of 20
Volcanic ActivityCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.0 of 20
WildfireCensus tract rating counts from the National Risk Index tract table (see B1-f). Tract maps and place names are not in this packet.20 of 20
Winter WeatherAffects the whole planning area; national data do not distinguish locations within the county. Confirm locally.20 of 20

Source

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

Supports B1-c: extent

Extent: scale, observed range and worst recorded event per hazard

HazardScaleRecordscount, yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to membersNote
Avalanchenone (count and damage)0Physical measure: in event narratives only; local data required.
Coastal Flood, Storm Surge/Tidenone in data (FIRM for depth)0Flood depth: see the FEMA Flood Insurance Rate Map.
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill4, 1996 to 2022 (4 zone-level)1 day to 5 days (median 3 days); 4 with a recorded value5 consecutive days, 1996-03-08 to 1996-03-12, zone-levelZone-level records: applies countywide; national data do not locate these events within the county.Wind chill: in event narratives only; local data required.
Frost/Freeze (outside NRI Cold Wave definition)crop damage6, 2005 to 2016 (6 zone-level)Frost/Freeze, 2007-04-09, $868,000 crop damage, reported for the zone (2007 dollars); NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesZone-level records: applies countywide; national data do not locate these events within the county.Temperature: in event narratives only; local data required.
DroughtUS Drought Monitor D-scale19, 1998 to 2026 (19 zone-level)13 days to 97 days (median 43 days); 9 with a recorded value97 days (about 3.2 months), 1999-06-01 to 1999-09-05, a run of 4 consecutive Storm Events drought records, zone-levelDrought, 2019-10-01, $0 property; $9,000,000 crops, reported for the zone (2019 dollars)Zone-level records: applies countywide; national data do not locate these events within the county.Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0No Storm Events record; local data required (e.g., USGS).
Hailhail size (inches)191, 1975 to 20260.75 in to 2.75 in (median 1 in); 191 with a recorded value2.75 in hail, 2016-06-23; same size also recorded on 1998-05-16Hail, 2003-05-09, $75,000 property; crops not reported (2003 dollars)Event records naming member places: Bedford town (9 records).
Excessive Heat, Heatheat index (narratives)1, 2012 to 2012 (1 zone-level)1 day; 1 with a recorded value1 consecutive day, 2012-07-01, zone-levelZone-level records: applies countywide; national data do not locate these events within the county.Heat index: in event narratives only; local data required.
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson1, 2020 to 2020 (1 zone-level)Strongest recorded (records with damage, a wind speed or direct casualties first, then storm type, category and wind): Tropical Storm record, 2020-10-29, $5,000 property; $0 crops, reported for the zone (2020 dollars); NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesZone-level records: applies countywide; national data do not locate these events within the county.Storm Events files every zone of a storm's episode under the storm's event type and category, so a Hurricane (Typhoon) record, especially an inland or remnant one, does not by itself mean hurricane-force winds here; read the damage and wind columns.
Ice StormSperry-Piltz (local data)13, 1998 to 2013 (13 zone-level)Ice Storm, 2007-12-15, $12,000 property; $0 crops, reported for the zone (2007 dollars); NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesZone-level records: applies countywide; national data do not locate these events within the county.Ice thickness: in event narratives only; local data required.
Flash Flood, Flood, Lakeshore Flooddamage and flood days (FIRM for depth)83, 1996 to 2025 (5 zone-level)Flash Flood, 1996-09-06, $300,000 property; $100,000 crops (1996 dollars)Event records naming member places: Bedford town (1 record). Zone-level records (5) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage can be $0 or blank even for a major flood, so the worst record here may not be the worst flood; compare FEMA Public Assistance by declaration in B1-d.
Debris Flownone (count and damage)2, 2018 to 2021Debris Flow, 2021-06-11, $5,000 property; $0 crops (2021 dollars)No event record names a member place.Physical measure: in event narratives only; local data required.
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)24, 1997 to 2025Lightning, 2016-07-14, $0 property; $0 crops (2016 dollars), 1 direct deathLightning, 2010-05-29, $150,000 property; crops not reported (2010 dollars)Event records naming member places: Bedford town (1 record).Storm Events lists lightning with damage or casualties; physical measure in event narratives only; local data required.
High Wind and Strong Wind (outside NRI Strong Wind definition)wind speed (kt and mph)41, 1996 to 2026 (41 zone-level)30 kt (35 mph) to 62 kt (71 mph) (median 50 kt (58 mph)); 36 with a recorded value62 kt (71 mph) measured gust, High Wind, 2010-02-26; NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesHigh Wind, 2001-01-10, $400,000 property; crops not reported, reported for the zone (2001 dollars)Zone-level records: applies countywide; national data do not locate these events within the county.
Thunderstorm Windwind speed (kt and mph)397, 1961 to 202650 kt (58 mph) to 70 kt (81 mph) (median 50 kt (58 mph)); 345 with a recorded value70 kt (81 mph) estimated gust, Thunderstorm Wind, 2024-04-11; same speed and measurement basis also recorded on 2003-05-09, 2006-04-07, 2010-09-22, 2013-07-03Thunderstorm Wind, 2010-09-22, $2,000,000 property; crops not reported (2010 dollars)Event records naming member places: Bedford town (22 records).
TornadoEnhanced Fujita (F before Feb 2007)12, 1996 to 2024F/EF0 to F/EF2 (median F/EF1); 12 with a recorded valueEF2 tornado, 2022-05-27, 6.3 mi within this county, 330 yd wide, $925,000 property; $0 crops (2022 dollars), 3 direct injuriesTornado, 2002-04-28, $3,000,000 property; crops not reported (2002 dollars)Event records naming member places: Bedford town (1 record).From 1996 on, tornado records are per-county segments and length is the path length within this county (NWS Instruction 10-1605); records before 1996 may give the whole path length, including the path outside this county, and before 1996 a tornado is listed once, under the county where it began, with the whole path's rating; counties farther along the path may not list it. Length is not used to rank tornadoes.
Tsunaminone (count and damage)0Physical measure: in event narratives only; local data required.
Volcanic Ash, Volcanic AshfallVolcanic Explosivity Index (local data)0Physical measure: in event narratives only; local data required.
Wildfireacres burned (local data)1, 2023 to 2023 (1 zone-level)No damage reported in 1 records.Zone-level records: applies countywide; national data do not locate these events within the county.Acres burned: in event narratives only; local data required.
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall local)60, 1996 to 2026 (60 zone-level)Heavy Snow, 2014-02-12, $125,000 property; $0 crops, reported for the zone (2014 dollars); NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesZone-level records: applies countywide; national data do not locate these events within the county.Snow depth: in event narratives only; local data required.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records are placed with NWS zone-county files, which exist from 2020 on; an earlier record is placed by its zone number in the nearest later file only when its zone name matches that file, records from zones NWS renumbered are placed by name or left out, and a record whose zone is in no known file is left out of every count, so counts before 2020 can be low. Some current zones are also missing from the NWS files, so recent counts can be low too.

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Sources

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

Supports B1-d: previous occurrences

Declaration rows
30
Counted incidents
26

Federal disaster declarations for this county

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-01-232026-01-22EM-3631-VAEmergencySEVERE WINTER STORMWinter Weathernone foundnew since last plan; within last 5 years
2025-04-042025-02-10DR-4863-VAMajor disasterSEVERE WINTER STORMS AND FLOODINGInland Flooding; Tornado; Winter Weather$37,762.69new since last plan; within last 5 years
2024-10-012024-09-25DR-4831-VAMajor disasterTROPICAL STORM HELENEHurricanenone foundnew since last plan; within last 5 years
2024-09-292024-09-25EM-3621-VAEmergencyPOST-TROPICAL CYCLONE HELENEHurricanenone foundnew since last plan; within last 5 yearssame incident as DR-4831
2022-03-112022-01-02DR-4644-VAMajor disasterSEVERE WINTER STORM AND SNOWSTORMWinter Weathernone foundnew since last plan; within last 5 yearspart of county; Bedford city VA became a town in Bedford County 2013-07-01; FEMA still issues rows under 51515 (latest 2026-01-23)
2021-05-102021-02-11DR-4602-VAMajor disasterSEVERE WINTER STORMSIce Stormnone foundnew since last plan
2020-04-022020-01-20DR-4512-VAMajor disasterCOVID-19 PANDEMICNon-natural, not countednone foundduring plan review, check whether your last plan included it
2020-03-132020-01-20EM-3448-VAEmergencyCOVID-19Non-natural, not countednone foundduring plan review, check whether your last plan included itsame incident as DR-4512
2018-09-112018-09-13EM-3403-VAEmergencyHURRICANE FLORENCEHurricanenone found
2012-10-292012-10-26EM-3359-VAEmergencyHURRICANE SANDYHurricanenone found
2012-07-272012-06-29DR-4072-VAMajor disasterSEVERE STORMS AND STRAIGHT-LINE WINDSStrong Wind$118,395.63
2010-02-162009-12-18DR-1874-VAMajor disasterSEVERE WINTER STORM AND SNOWSTORMWinter Weather$13,557.38
2005-09-122005-08-29EM-3240-VAEmergencyHURRICANE KATRINA EVACUATIONHurricane: evacuation support, not a local hazard event; not countednone found
2003-09-182003-09-18DR-1491-VAMajor disasterHURRICANE ISABELHurricane$16,726.48
2002-05-052002-04-28DR-1411-VAMajor disasterSEVERE STORMS, TORNADOES, AND FLOODINGInland Flooding; TornadoPA not declared for this county
2000-02-282000-01-25DR-1318-VAMajor disasterSEVERE WINTER STORMSWinter Weathernone found
1996-09-061996-09-05DR-1135-VAMajor disasterHURRICANE FRAN AND ASSOCIATED SEVERE STORM CONDHurricanenone found
1996-01-131996-01-06DR-1086-VAMajor disasterBLIZZARD OF 96 (SEVERE SNOW STORM)Winter Weathernone found
1995-07-011995-06-22DR-1059-VAMajor disasterSEVERE STORMS AND FLOODINGInland Floodingnone found
1994-04-111994-03-01DR-1021-VAMajor disasterSEVERE WINTER ICE STORMIce Storm; Winter Weathernone found
1994-03-101994-02-08DR-1014-VAMajor disasterSEVERE ICE STORMS, FLOODINGWinter Weather (primary); also designated: Inland Floodingnone found
1993-03-251993-03-13EM-3112-VAEmergencySEVERE WINTER STORMWinter Weathernone found
1992-05-191992-04-21DR-944-VAMajor disasterSEVERE STORMS & FLOODINGInland Floodingnone found
1985-11-091985-11-09DR-755-VAMajor disasterSEVERE STORMS & FLOODINGInland Floodingnone found
1977-07-231977-07-23EM-3046-VAEmergencyDROUGHTDroughtnone found
1976-10-151976-10-15EM-3018-VAEmergencyDROUGHTDroughtnone found
1972-10-101972-10-10DR-359-VAMajor disasterSEVERE STORMS & FLOODINGInland Floodingnone found
1972-10-071972-10-07DR-358-VAMajor disasterSEVERE STORMS & FLOODINGInland Floodingnone foundpart of county; Bedford city VA became a town in Bedford County 2013-07-01; FEMA still issues rows under 51515 (latest 2026-01-23)
1972-06-231972-06-23DR-339-VAMajor disasterTROPICAL STORM AGNESInland Flooding (primary); also designated: Hurricanenone found
1969-08-231969-08-23DR-274-VAMajor disasterSEVERE STORMS & FLOODINGHurricane (primary); also designated: Inland Floodingnone found

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Statewide declarations

DeclaredIncident beganFEMA numberTypeTitleMapped hazardFlagsNotes
1963-03-211963-03-21DR-149-VAMajor disasterFLOODSInland Flooding
1962-03-091962-03-09DR-123-VAMajor disasterSEVERE STORMS, HIGH TIDES & FLOODINGInland Flooding (primary); also designated: Coastal Flooding
1957-02-011957-02-01DR-68-VAMajor disasterFLOODSInland Flooding

FEMA recorded these with designated area Statewide and no county. Listed on every county page in the state; not counted with county rows.

Source

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

Previous occurrences by hazard, with explicit no-event rows

HazardStorm Events recordsfull periodSince plan approvalrecordsDuring plan reviewrecordsLast 5 yearsrecordsDeclared incidentsdistinct incidentsDeclared since approvaldistinct incidentsPeriodStatement
Avalanche0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Coastal Flooding0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Cold Wave10101001996 to 2026-06-30Includes 6 Frost/Freeze records, event types the NRI definition of this hazard leaves out.
Drought19909201996 to 2026-06-30
Earthquake000000No Storm Events record; local data required (e.g., USGS).
Hail19120119001955 to 2026-06-30
Heat Wave1000001996 to 2026-06-30
Hurricane1010711996 to 2026-06-30
Ice Storm13000211996 to 2026-06-30
Inland Flooding8312461011996 to 2026-06-30
Landslide2100001996 to 2026-06-30
Lightning241009001996 to 2026-06-30
Strong Wind43895282101955 to 2026-06-30Includes 35 High Wind records and 6 Strong Wind records, event types the NRI definition of this hazard leaves out.
Tornado12202211950 to 2026-06-30
Tsunami0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Volcanic Activity0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Wildfire1101001996 to 2026-06-30
Winter Weather60927931996 to 2026-06-30

Sources

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

Notable Storm Events records

DateEvent typeMagnitude or extentDamagenominal dollarsDirect deaths, injuriesindirect not countedLocationFlagsWhy listed
2026-06-12Strong Wind43 kt (49 mph) estimated gust$15,000 property; $0 crops, reported for the zone (2026 dollars)1, 22NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesnew since last plan; within last 5 yearsdeaths or injuries recorded
2024-04-11Thunderstorm Wind70 kt (81 mph) estimated gust$75,000 property; crops not reported (2024 dollars)0, 0BOONSBOROnew since last plan; within last 5 yearsB1-c worst recorded: Thunderstorm Wind
2022-05-27TornadoEF2, 6.3 mi within this county, 330 yd wide$925,000 property; $0 crops (2022 dollars)0, 3GOODE to COLEMAN FALLSnew since last plan; within last 5 yearsB1-c worst recorded: Tornado
2020-10-29Tropical Storm$5,000 property; $0 crops, reported for the zone (2020 dollars)0, 0NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesduring plan review, check whether your last plan included itB1-c worst recorded: Hurricane, Tropical Storm, Tropical Depression
2016-07-14Lightning$0 property; $0 crops (2016 dollars)1, 0STONE MTdeaths or injuries recorded
2012-07-01Heat$0 property; $0 crops, reported for the zone (2012 dollars)0, 0NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesB1-c worst recorded: Excessive Heat, Heat
2010-02-26High Wind62 kt (71 mph) measured gust$2,000 property; $0 crops, reported for the zone (2010 dollars)0, 0NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesB1-c worst recorded: High Wind and Strong Wind (outside NRI Strong Wind definition)
2007-04-09Frost/Freeze$0 property; $868,000 crops, reported for the zone (2007 dollars)0, 0NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesB1-c worst recorded: Frost/Freeze (outside NRI Cold Wave definition)
1999-06-01Droughtdamage not reported0, 0NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesB1-c worst recorded: Drought
1996-09-06Flash Flood$300,000 property; $100,000 crops (1996 dollars)0, 0COUNTYWIDEB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
1996-03-08Cold/Wind Chillproperty not reported; $12,000 crops, reported for the zone (1996 dollars)0, 0NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
1996-02-02Heavy Snowdamage not reported1, 0NWS zone VAZ034 (BEDFORD), zone-level: may include parts of neighboring countiesdeaths or injuries recorded

The full list is in the XLSX file, sheet "B1-d Storm Events history" (855 rows).

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records are placed with NWS zone-county files, which exist from 2020 on; an earlier record is placed by its zone number in the nearest later file only when its zone name matches that file, records from zones NWS renumbered are placed by name or left out, and a record whose zone is in no known file is left out of every count, so counts before 2020 can be low. Some current zones are also missing from the NWS files, so recent counts can be low too.

Sources

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

State-declared emergencies are not in federal data. Add them from your state emergency management agency.

Tribal and special-area declarations in this state are listed on the state page.

Supports B1-e: probability

Probability: FEMA annualized frequency and descriptor per hazard

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Avalanche0.01events per yearabout 1 in 100 yearsPossibleFEMA annualized frequency (modeled)01994 to 2023 (30 years)see B1-f0.01 is NRI's minimum avalanche frequency for a county in an avalanche susceptibility zone; NRI records no avalanche here, so the descriptor reflects the floor, not local events.
Coastal Floodingevents per year at a location (modeled)not shownmodeledsee B1-fNot Applicable in NRI for this county; no descriptor.
Cold Wave1.37event-days per yearabout 1.37 days per yearLikelyevent-days in 3 of 30 years, 1996 to 2025 (10%)262005-11-12 to 2024-11-12 (19 years)countywideNRI gives about 1.37 cold wave event-days a year here (its annualized frequency over 19 years; not its event count divided by the years), but Storm Events has a record in only 3 of 30 years. NRI counts from a different source that records far more events than Storm Events, so this descriptor reads much lower than NRI's frequency; read the two together. Frost/Freeze records are not counted in this descriptor: they record crop freezes, not cold waves.
Drought6.04event-days per yearabout 6.04 days per yearLikelyevent-days in 7 of 30 years, 1996 to 2025 (23.3%)2102000 to 2025 (25.25 years; D3 and D4 only)countywideNRI gives about 6.04 drought event-days a year here (its annualized frequency over 25.25 years; not its event count divided by the years), but Storm Events has a record in only 7 of 30 years. NRI counts from a different source that records far more events than Storm Events, so this descriptor reads much lower than NRI's frequency; read the two together.
Earthquake0.00122annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.122%not shownmodeledsee B1-fDescriptor not assigned: the NRI value is the chance at a location in the county, not how often the hazard affects the county, and Storm Events does not record earthquakes.
Hail3.59events per yearabout 3.59 per yearHighly likelyFEMA annualized frequency (modeled)136.7 (modeled)1986 to 2023 (38 years)countywide
Heat Wave1event-days per yearabout 1 days per yearPossibleevent-days in 1 of 30 years, 1996 to 2025 (3.33%)162005-11-12 to 2024-11-12 (19 years)countywideNRI gives about 1 heat wave event-days a year here (its annualized frequency over 19 years; not its event count divided by the years), but Storm Events has a record in only 1 of 30 years. NRI counts from a different source that records far more events than Storm Events, so this descriptor reads much lower than NRI's frequency; read the two together.
Hurricane0.0622events per yearabout 1 in 16 yearsPossibleFEMA annualized frequency (modeled)201851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are counted separately in B1-d and need not match.
Ice Storm1.5event-days per yearabout 1.5 days per yearLikelyevent-days in 9 of 30 years, 1996 to 2025 (30%)1021946-12-31 to 2014-02-12 (67 years)countywideNRI gives about 1.5 ice storm event-days a year here (its annualized frequency over 67 years; not its event count divided by the years), but Storm Events has a record in only 9 of 30 years. NRI counts from a different source that records far more events than Storm Events, so this descriptor reads much lower than NRI's frequency; read the two together.
Inland Flooding1.57event-days per yearabout 1.57 days per yearLikelyevent-days in 23 of 30 years, 1996 to 2025 (76.7%)441996 to 2023 (28 years)see B1-f
Landslide1.67events per year (modeled)about 1.67 per yearHighly likelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning43.1days per year with a strikeabout 43.1 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind3.22events per yearabout 3.22 per yearHighly likelyFEMA annualized frequency (modeled)1231986 to 2023 (38 years)countywide
Tornado0.146events per yearabout 1 in 7 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Tsunamiannual probability at the most exposed location (used in place of a county value)not shownmodeledsee B1-fNot Applicable in NRI for this county; no descriptor.
Volcanic Activityannual probabilitynot shownmodeledsee B1-fNot Applicable in NRI for this county; no descriptor.
Wildfire0.0011annual probability at a locationchance a given location in the county burns in a year: 0.11%PossibleStorm Events records in 1 of 30 years, 1996 to 2025 (3.33%)not shownmodeledsee B1-fDescriptor from Storm Events, not NRI: the NRI value is the chance at a location in the county, not how often the hazard affects the county.
Winter Weather9.11event-days per yearabout 9.11 days per yearLikelyevent-days in 23 of 30 years, 1996 to 2025 (76.7%)1732005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) comes from the National Risk Index v1.20 (December 2025). It is not recorded events divided by years, and what it measures depends on the hazard. For most hazards it estimates how often the hazard affects this county each year: it counts events or event-days (drought, heat wave, cold wave, winter weather, ice storm and inland flooding are in days per year; lightning is the number of days per year with a recorded cloud-to-ground strike, from the NOAA Storm Prediction Center daily lightning climatology); it may count events in the surrounding area (hail, strong wind, tornado, hurricane and ice storm use a 49 km grid and buffers) and is averaged over the county's area; and some hazards use a minimum value for places with no recorded event. Earthquake, wildfire and coastal flooding are different: FEMA computes them for each census block and averages them over the county, so the value is the chance (for coastal flooding, the modeled number of floods per year) at a location in the county, which is lower than the chance that the hazard strikes somewhere in the county. Earthquake is the chance of at least minor-damage shaking (U.S. Geological Survey model); wildfire is the chance that a location burns in a large fire (U.S. Forest Service burn probability); coastal flooding comes from FEMA flood zones and NOAA high-tide flooding, so it can be above 1 where high-tide flooding is frequent. Tsunami is the value at the county's most exposed location, from recorded events and modeled return periods. For these four hazards the packet gives no "1 in N years" and takes the descriptor from Storm Events (none for earthquake) unless the value is 1 or more a year. Landslide is a U.S. Geological Survey modeled county rate spread by slope susceptibility. Volcanic activity is the chance that a volcano affecting the county erupts in a year. Drought counts only extreme and exceptional drought (D3 and D4). Source: FEMA, National Risk Index Technical Documentation v1.20, sections 5.2.2 (Table 5), 5.2.3, 7.4, 10.4, 16.5, 17.1, 17.3.1, 17.5, 20.3.1, 21.4, 22.4 and 6 to 23.

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Descriptor scale used in this packet (defined per unit)

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Intensity bands: historical frequency (Storm Events)

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202585302.83
Hail2.00 in+1996 to 20252300.0667
Strong Wind (Thunderstorm Wind records)50-64 kt1996 to 20253193010.6
Strong Wind (Thunderstorm Wind records)65 kt+1996 to 202513300.433
Strong Wind (Thunderstorm Wind records)unmeasured or below 50 kt1996 to 202531301.03
TornadoEF0-11996 to 20258300.267
TornadoEF2-31996 to 20254300.133
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20250300

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Source

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions.

Supports B1-f: variation across the planning area

Range of census tract risk within the county

HazardTractsrated of allRisk score minNRI score, 0 to 100MedianMaxTracts by ratingNote
Avalanche6 of 2048.350.253.0Very Low 6, Not Applicable 14
Coastal Flooding0 of 20Not Applicable 20
Cold Wave20 of 2027.932.950.4Relatively Moderate 1, Relatively Low 19National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Drought16 of 2070.389.697.9Relatively High 1, Relatively Moderate 2, Relatively Low 12, Very Low 1, No Rating 4National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range above mostly reflects where crop and livestock value is, not where buildings and people are. Confirm locally.
Earthquake20 of 2018.440.270.8Relatively Low 9, Very Low 11
Hail20 of 2035.545.158.5Relatively Low 19, Very Low 1National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Heat Wave20 of 205.68.920.6Relatively Low 3, Very Low 17National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Hurricane20 of 2055.166.075.8Relatively Low 20
Ice Storm20 of 2014.738.161.1Relatively Low 14, Very Low 6National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Inland Flooding20 of 2018.141.498.0Very High 1, Relatively High 1, Relatively Moderate 5, Relatively Low 13
Landslide20 of 2031.182.092.5Relatively Low 11, Very Low 9
Lightning20 of 2061.676.392.1Relatively High 8, Relatively Moderate 12National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Strong Wind20 of 2055.772.987.1Relatively High 3, Relatively Moderate 17National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.
Tornado20 of 2020.330.840.9Relatively Low 11, Very Low 9
Tsunami0 of 20Not Applicable 20
Volcanic Activity0 of 20Not Applicable 20
Wildfire20 of 2060.480.288.1Relatively Low 19, Very Low 1
Winter Weather20 of 2050.761.777.8Relatively Moderate 20National data give a county-wide or coarse (49 km grid or NWS zone) frequency for this hazard, so they cannot show members' hazard differing. The tract range above mostly reflects where buildings and people are. Confirm locally.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

Source

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

Per-member block (Starter, confirm locally)

MemberTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance matchedfederal share obligated, nominal dollarsEvent records naming this placeall years; since the member's planNotes
Bedford CountyCountyExpired on 2026-02-08FMA RL 0, SRL 2; any 4$27,567.490; 0
Bedford townTownExpired on 2026-02-08FMA RL 0, SRL 0; any 0$156,443.5934; 0

Member rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each member row, while the county table counts only its part in this county.

School districts and special districts get a plan clock row only.

Sources

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)

FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-26T151157Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

Supports B2-a and B2-b: assets and impacts

Local data required

County-level starter. The plan must describe impacts for each participant and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per participant per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets

County-level starter: exposure, expected annual loss and damage since the plan

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearEAL population equivalencestatistical value of life and injury, $13.7M per life, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2021-02-09county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Avalanche$7,124under 1under $1$1,296under 0.0001%
Coastal FloodingNot Applicable in NRI for this county
Cold Wave$15,574,826,834$34,092,95179,441$12,425$48,678$451,209under 0.0001%
Drought$8,988,002$582,6356.48% (agriculture)$0NRI has no building exposure for this hazard; agriculture shown
Earthquake$25,753,112,28179,462$393,244$90,9420.00153%
Hail$15,574,826,834$34,092,95179,441$45,189$8,760$54,5540.00029%$0
Heat Wave$15,574,826,834$34,092,95179,441$11$9$153,409under 0.0001%
Hurricane$15,574,826,834$34,092,95179,441$735,691$49,883$41,2480.00472%none found (2 declarations)
Ice Storm$15,574,826,83479,441$30,988$36,3660.000199%none found (1 declaration)
Inland Flooding$15,540,973,325$960,344849$12,859,547$18,655$44,122n/a (see note)$12,000$37,762.69NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b. EAL as % of exposure: n/a.
Landslide$1,420,146,7237,733$207$3,189under 0.0001%$5,000
Lightning$15,574,826,83479,441$23,327$531,0820.00015%$245,000
Strong Wind$15,574,826,834$34,092,95179,441$323,490$10,035$462,0000.00208%$530,600$155,000Storm Events damage since the plan includes 3 zone-level High Wind records ($115,000) and 4 zone-level Strong Wind records ($40,000), event types the NRI definition of this hazard leaves out.
Tornado$15,574,826,834$34,092,95179,441$262,599$253$125,8470.00169%$1,038,440$37,762.69
TsunamiNot Applicable in NRI for this county
Volcanic ActivityNot Applicable in NRI for this county
Wildfire$1,261,305,689$12,020,10718,680$113,326$94$27,8090.00898%$0
Winter Weather$15,574,826,834$34,092,95179,441$4,390under $1$84,881under 0.0001%$5,000$37,762.69

Totals since 2021-02-09 (Storm Events through 2026-06-30): 133 county-coded records, 132 with a damage value recorded (including $0), $1,831,040; 27 zone-level records, 21 with a damage value recorded (including $0), $160,000 reported for the zone; Public Assistance on counted declarations $37,762.69 (6 declarations, 1 with PA).

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column must not be added up; the unit total counts each declaration once.

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

Sources

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/

NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty

FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)

FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-26T151157Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)

FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)

Supports B2-a: context

County context

MeasureValue
Population79,441
Building value (total, not at risk)$15,574,826,834
Agriculture value (total, not at risk)$34,092,951
NRI risk rating (all hazards)Relatively Low
Expected annual loss, buildings and agriculture, all hazards$15,523,437
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$2,107,954
Social vulnerability ratingRelatively Low
Community resilience ratingRelatively Moderate
NRI versionDecember 2025

FEMA's all-hazard expected annual loss total adds buildings, agriculture and population equivalence; the two parts are shown separately so the property figure is not read as including the statistical value of life.

Source

FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)

Supports B2-c: repetitive loss

Repetitive loss in this county, both definitions

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)0Severe repetitive loss, FMA definition (44 CFR 77.2)2
Repetitive loss, NFIP insurance definition4Severe repetitive loss, NFIP insurance definition2

Your state NFIP coordinator's list may use the NFIP insurance definition, so its counts can be higher.

Repeat-flood properties: county and state-level rows

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total0242400
BEDFORD COUNTY *0242400
State level, not in this county: county not reported0040400

Repeat-flood properties by plan member (NFIP community)

MemberNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredpropertiesNote
Bedford County5100160242400
Bedford town5100150000000

Per-member types: XLSX sheet 'B2-c Members'.

Member rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each member row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential0131300
2 to 4 unit residential0000000
other residential0000000
non-residential0111100
not reported0000000

Institutional properties cannot be separated in this data: FEMA's occupancy groups have no institutional class, so they fall in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites; OpenFEMA's fmaRl field description omits the Increased Cost of Compliance clause of 44 CFR 77.2(i). NFIP repetitive loss (FEMA insurance definition, nfipRl) is 2 or more claims over $1,000 in 10 years and can drop to false when a property is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured.

Your state NFIP coordinator's list may use the NFIP insurance definition, so its counts can be higher.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (as of 2026-08-02). No property is identified. County assignment is FEMA's geocode.

Counts may differ from your state NFIP coordinator's list, which is the source the Handbook names.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 4 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Every table above lists its own sources. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-26T121003Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-27T010817Z, pulled 2026-09-28, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-26T151157Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-28, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-28, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-28, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-28, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-28, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Bedford County, VA: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-28; County area 51019). Preview: automated baseline. Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: to be added

Hazard Plain release 2026-10. As of 2026-09-28; Storm Events data through 2026-06-30. File hazard-plain_2026-10_VA_51019. Preview: automated baseline.