RedactedNarrative: On Saturday August 20, 2016 at apprx. 0900 hours, Vessel #1 (V#1) was on Frederick Lake when operator advised that the wind increased as a dark cloud approached. V#1 traveled from northeast side of the lake to the southwest toward the dam where the operator's vehicle was parked. Due to V#1 being overloaded, 5 occupants when maximum capacity is 2 according to the capacity plate, the vessel became overcome with water and capsized. All 5 occupants were ejected. Operator advised that they all clung to V#1 and drifted to shore at the dam. Passenger #2 was injured when she walked on the rocks at the dam, slipped, and fell. Approximate area where V#1 capsized was 1185 yards NE of Reference Point (RP) #1 which is the intersection of CR 2290 and Baseline Rd; and 1265 yards NW of RP #2 which is the intersection of Curtis Cove Rd and Baseline RD; and 815 yards E of the intersection of CR2290 and CR2291. V#1 was impounded and stored at Copeland's Wrecker.