Natural hazards · Lake Caroline

Lake Caroline, VA natural hazards

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

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

Expected damage

How exposed is Lake Caroline?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Caroline to be higher than in 39% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding46%Hurricanes22%Tornadoes9%Earthquakes7%Strong wind5%Everything else12%

By hazard

What Lake Caroline faces

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

Inland flooding

46% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

22% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 12 years in the area

Tornadoes

9% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 56 years in the area

Earthquakes

7% of expected damage

Above average · higher than 69% of U.S. places

Strong wind

5% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 5 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Lake Caroline flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caroline County.

Disasters that hit Lake Caroline

Federal disasters declared here

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

Brought FEMA money into Lake CarolineDeclared for Caroline County only

Caroline County has had 22 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. Lake Caroline 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 Lake Caroline’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake Caroline. 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.