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Risk: Relatively Low

Berkeley County, WV Environment & Hazard Risk

Relatively Low natural hazard risk, led by strong wind. 917 storm events since 1996.

Expected yearly loss
$35.23M
Relatively Low nationally
Storm events since 1996
917
Most often thunderstorm wind
Flood insurance policies
150
0.3% of homes
Hurricanes nearby
1
4 tropical storms or stronger since 1885

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 68.3 of 100

Social vulnerability

Very Low

Score 12.2 of 100

Community resilience

Relatively Moderate

Score 43.2 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $25.21B · Agriculture value exposed: $33.36M · Risk-adjusted yearly loss: $28.36M

Risk by hazard

  • Strong windRelatively High$2.1M/yr expected annual loss, about 6.0 events a year
  • HurricaneRelatively Low$2.6M/yr expected annual loss, about once every 14 years
  • LandslideRelatively Low$13.08K/yr expected annual loss, about once every 3 years
  • Heat waveRelatively Low$1.29M/yr expected annual loss, about 3.6 events a year
  • Winter weatherRelatively Moderate$171K/yr expected annual loss, about 14 events a year
  • DroughtRelatively Moderate$627K/yr expected annual loss, about 4.0 events a year
  • EarthquakeRelatively Low$825K/yr expected annual loss, about once every 889 years
  • HailRelatively Low$558K/yr expected annual loss, about 3.2 events a year
  • LightningRelatively Moderate$399K/yr expected annual loss, about 37 events a year
  • TornadoRelatively Low$1.24M/yr expected annual loss, about once every 6 years
  • Ice stormRelatively Low$47.53K/yr expected annual loss, about once every 2 years
  • WildfireVery Low$20.45K/yr expected annual loss, about once every 2,829 years
  • AvalancheVery Low$30/yr expected annual loss, about once every 100 years
  • Cold waveVery Low$195K/yr expected annual loss, about 1.9 events a year

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
150 of 46,176 (0.3%)
Homes in high-risk flood zones
913
Insured in high-risk zones
84 (9%)
Flood claims since 1978
312
Claims paid since 1978
$4.85M

Flood claims paid per year

Flood claims paid per year in Berkeley County
  • Flooding$2.45M · 113 claims
  • Hurricane Fran$760K · 69 claims
  • Not a named storm$12.46K · 7 claims
  • Tropical Storm Ivan$6,308 · 1 claim

Storm history

Since 1996: 917 events, 0 deaths, $8.52M in damage

  • Thunderstorm Wind234
  • Winter Weather122
  • Flood100
  • Dense Fog85
  • Hail82
  • Winter Storm70
  • Frost/Freeze37
  • Heat32
  • High Wind28
  • Flash Flood25

Events per year

Storm events per year in Berkeley County
32
26
13
10
51
43
22
60
24
36
27
79
48
29
28
26
28
27
37
24

14 tornadoes on record (EF0 4, EF1 1, F0 3, F1 5, F2 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • TornadoF2, 2 mi path, 100 yd wide09/18/2004

    Darkesville, Berkeley County

    6 injured, $25K damage

    What happened

    A tornado touched down in Darkesville in southern Berkeley County. The F2 tornado produced extensive structural damage to homes and businesses in the area. The storm traveled north and toppled tractor trailers and vehicles on Interstate-81. At least 6 people were injured from the automobile accidents.

  • Frost/Freeze04/10/1997

    Berkeley

    $4M damage

    What happened

    A record cold arctic air mass overspread eastern West Virginia overnight on the 9th and 10th, dropping temperatures into the mid teens to lower 20s. These temperatures came on the heels of an above normal winter season. Warm temperatures in late March allowed apple and peach blossoms to reach critical bloom stage about 1 week ahead of schedule. Significant, but not total, kills of peaches and Red Delicious apples were noted. In general, the apple crop sustained 50 percent damage, but the peach crop kill range from 60 to 90 percent. Berries also sustained large kills.Some of the notable damaged acres included: Berkeley Co (WVZ052), 8500 acres; Hampshire Co (WVZ050), 4000 acres; Jefferson Co, 1700 acres.

  • Heat07/04/1999

    Berkeley

    3 injured

    What happened

    High pressure sat off the Mid-Atlantic coast from the 4th through the 7th, acting like a heat pump drawing in extremely warm and humid air. Temperatures on the 4th through early on the 7th were oppressively hot, and extremely humid conditions added to the misery. These conditions continued until a cold front swept through the area during the afternoon of the 7th, ushering cooler and much less humid air. The mercury soared into the upper 90s to lower 100s during the period. Dew points were in the lower to middle 70s, creating heat indices between 105 and 115 degrees. High temperatures on the 4th included 101 degrees at Berkeley Springs, 99 degrees at Keyser, 98 degrees at Romney and Charles Town, and 97 degrees at Mathias. Afternoon readings on the 5th included 103 degrees at Berkeley Springs, 101 degrees at Keyser, 100 degrees at Mathias, Moorefield, Charles Town, and Romney; 99 degrees at Martinsburg, and 98 degrees at Wardensville. Highs on the 6th included 102 degrees at Sugar Grove, 100 degrees at Charles Town, Martinsburg, Mathias, Moorefield, Romney, and Keyser; 98 degrees at Wardensville, and 96 degrees at Petersburg. Because of the 4th of July holiday weekend,...

  • Drought07/01/1997

    Berkeley

    $2.15M damage

    What happened

    A very dry month, containing one 7-day heat wave, exacerbated drought-like conditions across much of the fertile farmland of eastern West Virginia. The weather in July proved to be the death knell for much of the crop yields, including corn, hay, and pasture. The West Virginia Farm Service Agency reported the following damage statistics: Corn, hay, and pasture yields were 40 to 50 percent of normal. Estimated damage to the corn crop included 2500 to 3000 acres per county in the Potomac Highlands (WVZ048>051, 055) but as much as 10,000 acres in the eastern panhandle (WVZ052>053). Hay damage was estimated to be 40,000 acres per county; pasture land an additional 80,000 acres per county. No significant damage to alfalfa was noted. Though some summer fruit was damaged by the drought, most of what survived was excellent.

  • High Wind50 kt wind09/18/2003

    Berkeley

    $200K damage

  • Flash Flood09/06/1996

    Countywide, Berkeley County

    $200K damage

Latest storm reports

Newest first

  • Thunderstorm Wind52 kt wind07/18/2026

    Martinsburg, Berkeley County

    $2,000 damage

  • Thunderstorm Wind52 kt wind07/04/2026

    (Mrb)shepherd Fld Mr, Berkeley County

    $2,000 damage

  • Thunderstorm Wind52 kt wind07/04/2026

    Glengary, Berkeley County

    $1,000 damage

  • Thunderstorm Wind52 kt wind07/04/2026

    Gerrardstown, Berkeley County

    $2,000 damage

  • Excessive Heat07/04/2026

    Berkeley

  • Excessive Heat07/03/2026

    Berkeley

  • Excessive Heat07/02/2026

    Berkeley

  • Excessive Heat07/01/2026

    Berkeley

Hurricanes and tropical storms

Storms whose track crossed Berkeley County, with the wind when it passed

Drinking water

13 community water systems serve about 94,050 people. Violations since 2021.

2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 10 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Martinsburg 2, 3.5 mi from the county center

Summer highs peak around 87°F in Jul and winter lows bottom out near 23°F in Jan. About 41.4 inches of rain falls in a typical year.

MonthHighLowRain
Jan42°F23°F2.82 in
Feb45°F24°F2.60 in
Mar54°F30°F3.73 in
Apr66°F40°F3.60 in
May75°F51°F4.20 in
Jun83°F60°F3.51 in
Jul87°F64°F4.12 in
Aug86°F62°F3.04 in
Sep79°F54°F4.17 in
Oct67°F43°F3.35 in
Nov56°F33°F3.01 in
Dec45°F27°F3.28 in
Year54°F average41.4 in

Pollution sites

0 Superfund sites and 13 toxic release facilities in Berkeley County

Superfund sites

None in this county.

Toxic release facilities

Total: 313,541 lbs in 2024, 267,317 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk83 historic places

Frequently asked questions

How risky is Berkeley County for natural disasters?
FEMA rates Berkeley County relatively low for overall natural hazard risk, with expected losses of $35.23M a year. The highest-rated hazards are strong wind (relatively high), hurricane (relatively low), landslide (relatively low).
What storms are most common in Berkeley County?
Since 1996, NOAA recorded 917 storm events affecting Berkeley County, most often thunderstorm wind (234), winter weather (122), flood (100).
How many tornadoes have hit Berkeley County?
14 tornadoes have been recorded in Berkeley County since 1950.
How many homes in Berkeley County have flood insurance?
150 residential flood insurance policies are in force in Berkeley County, covering about 0.3% of homes. The program has paid $4.85M on 312 claims here since 1978.
What is the weather like in Berkeley County?
At Martinsburg 2, average highs reach 87°F in Jul and lows fall to 23°F in Jan, with 41.4 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.