Lovingston, Virginia, seated in Nelson County, exhibits a moderate vulnerability to hurricane impacts due to its inland placement and higher elevation. Located over 150 miles from the coast, the town has a lesser risk of direct, high-wind impacts from hurricanes compared to coastal regions. However, this does not make it immune to the effects of these power coastal storms. Hurricanes can and do often extend their winds, as well as their potential for heavy, path-altering rains and resultant flooding, well into the interior; these attributes can pose significant risks particularly as Lovingston is nestled in the Blue Ridge Mountains.

Historically, the town has experienced intense flooding, especially during hurricane events. The remnants of Hurricane Camille in 1969 led to what is often referred to as the "Nelson County Flood", a devastating event for the town. More recently, Hurricane Isabel in 2003 had significant destructive effects on the state of Virginia, and Lovingston, in particular, experienced heavy rains and consequent localized flooding. In terms of flood risk, the town's mountainous locale can result in rapid runoff and potential for flash flooding in heavy rain events. Hence, local emergency management officials should consider both wind and water impacts during a hurricane threat and encourage protective measures for the local infrastructure and homes in flood-prone areas.