Natural hazards · Luray

Luray, VA natural hazards

Most of the natural-hazard damage FEMA expects in Luray comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 42 claims here since 1985. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Luray?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luray to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding66%Hurricanes11%Strong wind6%Drought5%Everything else12%

By hazard

What Luray faces

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

Inland flooding

66% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

11% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 16 years in the area

Strong wind

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 5 times a year in the area

Drought

5% of expected damage

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

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 Luray flood?

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

42paid claims since 1985

$1.0Mpaid to owners

5homes flooded more than once

19852026

Biggest named events

Hurricane Fran: 24 claims, $803K
Hurricane Isabel: 6 claims, $90K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Page County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

2flood-prone homes bought out and moved

2homes raised above flood level

Disasters that hit Luray

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Luray itself: aid to households, or repair grants to the Town of Luray.

Brought FEMA money into LurayDeclared for Page County only

2012

Severe Storms and Straight-Line Winds

$18K to the Town of Luray for repairs

2009

Severe Winter Storm and Snowstorm

$29K to the Town of Luray for repairs

2003

Hurricane Isabel

128 households applied for aid $152K aid approved $46K to the Town of Luray for repairs

2000

Severe Winter Storms

$11K to the Town of Luray for repairs

Page 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. Luray 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 Luray’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Luray. 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.