Barbour County has a Relatively Moderate property risk based on FEMA National Risk Index data. 30-year NPV risk cost: $137.2M.
| Hazard | Rating | Risk Score | Annual Loss | 30-Yr NPV |
|---|---|---|---|---|
| Tornado | Relatively High | 89.5 | $2.1M | $33.0M |
| Wildfire | Relatively Low | 83.3 | $26K | $398K |
| Hurricane | Relatively Moderate | 81.6 | $1.1M | $17.4M |
| Inland Flood | Relatively Moderate | 69.9 | $4.0M | $60.8M |
| Hail | Relatively Low | 67.8 | $109K | $1.7M |
| Strong Wind | Relatively Moderate | 63.8 | $170K | $2.6M |
| Earthquake | Relatively Low | 61.8 | $193K | $3.0M |
The 30-year NPV of $137.2M represents the present value of expected disaster-related losses over a standard mortgage term, discounted at 5%. This is the “true price” of property risk that most home listings never disclose.
A B grade means Barbour ranks in the lower-middle tier (below average risk) for property risk nationally. Factor this into your offer price, insurance budget, and long-term ownership cost.
Use our free calculator to see how this risk cost changes with different property values and insurance coverage assumptions.
Get a full NPV risk report for any address in Barbour County — flood, fire, earthquake, and crime risk in one place.
Check an Address ›Learn more: Understanding Flood Risk · Earthquake Risk by State · Hidden Costs of Crime