Natural hazards · Virginia Lakes

Virginia Lakes, CA natural hazards

Most of the natural-hazard damage FEMA expects in Virginia Lakes comes from inland flooding, and overall the risk is very high for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Virginia Lakes?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Virginia Lakes to be higher than in 97% of U.S. communities, mostly from inland flooding and avalanches.

Inland flooding38%Avalanches24%Wildfire23%Earthquakes12%Everything else3%

By hazard

What Virginia Lakes faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

38% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Avalanches

24% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 5 years in the area

Wildfire

23% of expected damage

Well above average · among the top 1% of U.S. places

Earthquakes

12% of expected damage

Well above average · higher than 88% of U.S. places

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Virginia Lakes flood?

FEMA's records show no paid flood insurance claims in Virginia Lakes.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Virginia Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Mono County.

Disasters that hit Virginia Lakes

Federal disasters declared here

None of the disasters declared for Mono County shows FEMA aid or repair money reaching Virginia Lakes itself in FEMA’s records.

Brought FEMA money into Virginia LakesDeclared for Mono County only

Mono County has had 10 natural disasters declared since 1953, most often floods and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Virginia Lakes is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Virginia Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Virginia Lakes. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.