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Natural hazards · Aberdeen

Aberdeen, MD natural hazards

Most of the natural-hazard damage FEMA expects in Aberdeen comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 25 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Aberdeen?

6
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Aberdeen to be higher than in 6% of U.S. communities, mostly from inland flooding.

Inland flooding53%Heat waves12%Earthquakes8%Cold waves8%Hurricanes7%Everything else12%
By hazard

What Aberdeen faces

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

Inland flooding

53% of expected damage
Well below average · higher than 13% of U.S. places
Recorded about 3 times a year in the area

Heat waves

12% of expected damage
Well below average · higher than 4% of U.S. places
Recorded about 6 times a year in the area

Earthquakes

8% of expected damage
Above average · higher than 64% of U.S. places

Cold waves

8% of expected damage
Below average · higher than 49% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

7% of expected damage
Above average · higher than 69% of U.S. places
Recorded about once every 14 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Aberdeen flood?

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

25paid claims since 1978
$178Kpaid to owners
2homes flooded more than once
19782026

Biggest named events

  • Hurricane Isabel: 2 claims, $13K
  • Hurricane Sandy: 1 claim, $2K
  • Hurricane Floyd: 1 claim, $26K

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. Aberdeen isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harford County.

What’s been done with FEMA grants

2homes raised above flood level
1flood-prone properties bought out and cleared
Disasters that hit Aberdeen

9 federal disasters brought FEMA money here

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

Brought FEMA money into AberdeenDeclared for Harford County only
2016

Severe Winter Storm and Snowstorm

$59K to the City of Aberdeen for repairs
2012

Hurricane Sandy

$36K to the City of Aberdeen for repairs
2011

Remnants of Tropical Storm Lee

$2K to the City of Aberdeen for repairs
2011

Hurricane Irene

$74K to the City of Aberdeen for repairs
2010

Severe Winter Storms and Snowstorms

$57K to the City of Aberdeen for repairs
2009

Severe Winter Storm and Snowstorm

$35K to the City of Aberdeen for repairs
2003

Hurricane Isabel

171 households applied for aid $159K aid approved $1K to the City of Aberdeen for repairs
2003

Snow

$25K to the City of Aberdeen for repairs
1999

Hurricane Floyd Major Disaster Declarations

$14K to the City of Aberdeen for repairs
Harford County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Aberdeen

Aberdeen and the towns around it

Perryman: Very low, mostly inland floodingHavre de Grace: Very low, mostly inland floodingAberdeen Proving Ground: Very low, mostly inland floodingRiverside: Very low, mostly inland floodingAberdeen: Very low, mostly inland flooding AberdeenPerrymanHavre de GraceAberdeen Proving Ground
Very lowLowModerateHighVery high
Havre de Gracemostly inland floodingVery low
Aberdeenmostly inland floodingVery low
Perrymanmostly inland floodingVery low
Aberdeen Proving Groundmostly 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. Aberdeen covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Aberdeen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Aberdeen. 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 Aberdeen total about $2.1M 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.

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