Storm risk in Harrisonburg (independent city), Virginia

How FEMA rates Harrisonburg

Expected yearly loss, in dollars

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Harrisonburg

• FEMA expects hail in Harrisonburg to cost $8.10 per $1 million of buildings a year: 0.36 times the U.S. median and 1.50 times the VA county median, ranked 2,215th of 3,126 counties nationally and 44th of 133 in Virginia.
• FEMA expects strong wind in Harrisonburg to cost $17 per $1 million of buildings a year: 0.85 times the U.S. median and 1.18 times the VA county median, ranked 1,718th of 3,121 counties nationally and 49th of 133 in Virginia.
• FEMA expects tornado in Harrisonburg to cost $32 per $1 million of buildings a year: 0.16 times the U.S. median and 0.60 times the VA county median, ranked 2,562nd of 3,144 counties nationally and 99th of 133 in Virginia.
• NOAA has only 2 hail reports for Harrisonburg in 12 years, too few for a trend; FEMA's 89 counted hail events cover a longer record.
• Applying FEMA's estimate to a $278,200 home, the average yearly loss in Harrisonburg is about $2.25 for hail and $4.83 for wind before any deductible; at the U.S. median county rates it would be $6.22 and $5.67.
• If the next years look like 2014 to 2025, a roof kept 20 years in Harrisonburg meets about 1.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
• Built in 1987, the median home in Harrisonburg is 39 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 71.4% of its 18,654 homes are at least 26 years old.
• March to June holds 2 of the 2 hail reports in Harrisonburg (100 percent); the quietest month is January, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Harrisonburg’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Harrisonburg in plain numbers

• Harrisonburg scores 26.59 in FEMA's overall hazard index (Very Low): 2,309th of 3,144 rated counties and 67th of 133 in Virginia.
• Hail scores 36.99 (Relatively Low). FEMA expects $79,741 of hail damage to buildings in Harrisonburg a year, which is $8.10 per $1 million of buildings, 0.36 times the U.S. median.
• Strong wind scores 61.13 (Relatively Moderate) with $171,002 of expected yearly building loss in Harrisonburg: $17 per $1 million of buildings, 0.85 times the U.S. median.
• Tornado scores 23.16 (Very Low) and FEMA's expected yearly tornado loss is $318,558, counting everything exposed, or $32 per $1 million of buildings in Harrisonburg.
• FEMA's own event record for Harrisonburg averages 2.33 hail events and 3.51 strong-wind events a year.
• NOAA logged 2 hail reports in Harrisonburg between 2014 and June 2026, on 1 day with stones of 1 inch or more; the largest was 1.75 inches.
• In Harrisonburg, FEMA counts buildings worth 9.84 billion dollars and 51,814 residents.
• Social vulnerability is Relatively Low in Harrisonburg.
• Community resilience there is Very Low, for 51,814 residents.
• 1 city in Harrisonburg is covered on this site: Harrisonburg. 1 Census ZIP areas have more than half of their land in the county.
• Our guide range for a 2,000 sq ft asphalt roof in Harrisonburg is $6,860 to $15,190.
• Harrisonburg ranks 143 of the 194 counties with a page here for hail loss per $1 million of buildings, 70 for wind and 183 for tornado.
• In Harrisonburg, May is the busiest month with 2 of the 2 reports (100 percent), against 0 reports in November.
• Harrisonburg's worst year was 2025, with 1 hail day at 1 inch or more and 2 reports. At the 2014 to 2025 pace that is 0.08 such days a year, one about every 144.0 months.
• The median home in Harrisonburg was built in 1987; 38.2% of its 18,654 housing units date from before 1980, 71.4% from before 2000 and 10.0% from 2010 on.
• Census puts the median home value in Harrisonburg at $278,200, and 39.9% of homes are lived in by their owners.
• 734 single-family building permits were issued in Harrisonburg from 2014 to 2025, about 39.3 per 1,000 homes, peaking in 2025.
• The fastest gust in NOAA's records for Harrisonburg is 63 mph on July 21, 2020 at Harrisonburg.
• The nearest county with a page here is Lynchburg (independent city), 74 miles from the centre of Harrisonburg; its hail score is 28.34.
• Across counties the median is one roofing firm for every 5,189 homes; Census counted 7 roofing contractor establishments in Harrisonburg in 2023, one for every 2,665 homes.

The hail record of Harrisonburg, year by year

NOAA logged 2 reports in Harrisonburg; hail of 1 inch or more fell on 1 day. With so few reports the yearly bars below are small numbers, and a single storm moves them.

Biggest hail days in Harrisonburg

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Harrisonburg the big stones fell.

Wind and tornado records for Harrisonburg

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Harrisonburg’s 2014 to 2025 pace of 0.08 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Roofers and past disasters in Harrisonburg

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Harrisonburg's.

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Harrisonburg

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 1 such areas have more than half their land here.

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