Smyth County, VA

Composite Insurance Risk Score: 56.0 / 100 (National rank: #1210)

Axis Scores

Climate Safety 84.9
Insurance Affordability 54.5
Housing Affordability 56.5
Community Resilience 29.7
Social Resilience 22.0
Housing Stability 32.4

Key Metrics

Annual Insurance Premium (state avg) $1,300
Insurance Burden (% of income) 2.61%
Price-to-Income Ratio 2.80
FEMA Risk Score (0-100) 15.1

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Smyth County have grown at an average annual rate of 7.82%. During the same period, the population has decreased by 4.38%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).