Natural hazards · Apple Mountain Lake

Apple Mountain Lake, VA natural hazards

Most of the natural-hazard damage FEMA expects in Apple Mountain Lake comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Apple Mountain Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apple Mountain Lake to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding74%Strong wind6%Heat waves5%Everything else15%

By hazard

What Apple Mountain Lake faces

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

Inland flooding

74% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 7 times a year in the area

Heat waves

5% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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 Apple Mountain Lake flood?

FEMA's records show no paid flood insurance claims in Apple Mountain Lake.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Apple Mountain Lake

Federal disasters declared here

None of the disasters declared for Warren County shows FEMA aid or repair money reaching Apple Mountain Lake itself in FEMA’s records.

Brought FEMA money into Apple Mountain LakeDeclared for Warren County only

Warren County has had 20 natural disasters declared since 1953, most often winter storms and hurricanes.

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. Apple Mountain Lake covers 1 census tract, combined by population.

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

FEMA’s expected losses across Apple Mountain Lake total about $1.0M a year, counting buildings, people and crops.

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.