Homeowners Insurance & Natural Hazard Costs in McLean
McLean's real hazard profile is inland flash flooding tied to Pimmit Run, Little Pimmit Run, and Scott's Run -- not hurricane or coastal-storm risk -- with a documented July 2019 flash flood that closed Kirby Road and a July 2025 water rescue at Scott's Run Nature Preserve.
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Learn morePimmit Run, Little Pimmit Run, and Scott's Run: the real, documented flash-flood risk
Pimmit Run, a 7.8-mile stream running from Fairfax County to the Potomac River, and its Little Pimmit Run tributary run through the McLean area, with a documented July 8, 2019 flash flood that closed Kirby Road near Route 123 as Pimmit Run poured over its banks. Scott's Run, running through Scott's Run Nature Preserve, saw a documented rescue of hikers trapped by rising water in July 2025. Both waterways represent real, dated, documented flash-flood risk during intense-rainfall events.
No hurricane or coastal storm-surge risk
McLean sits well inland from the Chesapeake Bay and Atlantic coast, with zero realistic hurricane-landfall or storm-surge exposure. This page does not carry over hurricane-risk framing from Virginia's Hampton Roads/Tidewater coast, which does carry real, historically documented hurricane risk per this project's Virginia state record.
Homeowners insurance: Virginia's generally moderate statewide picture, at a genuinely high absolute dollar cost given McLean's property values
Per this project's Virginia state record, statewide homeowners insurance premiums are cited in the $1,741-$2,676/year range as a PERCENTAGE-independent figure, running close to or below national averages outside the hurricane-exposed Hampton Roads coast. However, given McLean's genuinely high property replacement-cost values (every cited home-price figure running above $1.4 million), actual dwelling-coverage premiums for McLean-specific properties should be expected to run higher in absolute dollar terms than this general statewide range, which is not itself scaled to property value -- a McLean-specific premium figure was not independently confirmed this research pass.
Winter weather: real snow and ice, without extreme totals
McLean experiences real winter snow and ice events consistent with the broader NoVA/Mid-Atlantic climate.
Key takeaways
- McLean's real, documented hazard is inland flash flooding along Pimmit Run, Little Pimmit Run, and Scott's Run, not hurricane or coastal storm-surge risk.
- A documented July 2019 flash flood closed Kirby Road; a July 2025 rescue occurred at Scott's Run Nature Preserve due to rising water.
- McLean carries essentially no hurricane exposure, sitting well inland from the Chesapeake Bay and Atlantic coast.
- Given McLean's genuinely high property values, actual insurance premiums for specific properties should be expected to run higher in absolute dollar terms than Virginia's general statewide range.
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