Natural hazards · Lake Holiday

Lake Holiday, VA natural hazards

Most of the natural-hazard damage FEMA expects in Lake Holiday 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 Lake Holiday?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Holiday to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding77%Hurricanes5%Everything else18%

By hazard

What Lake Holiday faces

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

Inland flooding

77% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 20 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Holiday flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Frederick County.

Disasters that hit Lake Holiday

Federal disasters declared here

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

Brought FEMA money into Lake HolidayDeclared for Frederick County only

Frederick County has had 16 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 Holiday 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 Holiday’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake Holiday. 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.