Natural hazards · Lowes Island

Lowes Island, VA natural hazards

Most of the natural-hazard damage FEMA expects in Lowes Island comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2011.

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

Expected damage

How exposed is Lowes Island?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lowes Island to be higher than in 28% of U.S. communities, mostly from inland flooding.

Inland flooding71%Heat waves8%Tornadoes7%Everything else15%

By hazard

What Lowes Island faces

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

Inland flooding

71% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 3 times a year in the area

Heat waves

8% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

7% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Lowes Island flood?

Every paid claim on a federal flood insurance policy in Lowes Island, from FEMA’s records.

2paid claims since 2011

$6Kpaid to owners

0homes flooded more than once

20112026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Loudoun County.

Disasters that hit Lowes Island

Federal disasters declared here

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

Brought FEMA money into Lowes IslandDeclared for Loudoun County only

Loudoun County has had 13 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Lowes Island

Lowes Island and the towns around it

Very lowLowModerateHighVery high

Lowes Islandmostly inland floodingLow

Cascadesmostly inland floodingVery low

Sugarland Runmostly inland floodingVery low

Darnestownmostly inland floodingVery low

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. Lowes Island covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lowes Island’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lowes Island. 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 Lowes Island total about $1.9M 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.