Natural hazards · Lake Wilderness

Lake Wilderness, VA natural hazards

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

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

Expected damage

How exposed is Lake Wilderness?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Wilderness to be higher than in 7% of U.S. communities, mostly from inland flooding.

Inland flooding44%Heat waves13%Strong wind11%Tornadoes9%Lightning8%Earthquakes6%Everything else10%

By hazard

What Lake Wilderness faces

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

Inland flooding

44% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once a year in the area

Heat waves

13% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 6 times a year in the area

Strong wind

11% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 50% of U.S. places

Lightning

8% of expected damage

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

Earthquakes

6% of expected damage

Above average · higher than 61% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesDrought

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 Wilderness flood?

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

of all homes
are insured

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

Insurance rates: Spotsylvania County.

Disasters that hit Lake Wilderness

Federal disasters declared here

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

Brought FEMA money into Lake WildernessDeclared for Spotsylvania County only

Spotsylvania County has had 17 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 Wilderness covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lake Wilderness’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake Wilderness. 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 Lake Wilderness total about $280K 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.