Natural hazards · Accident

Accident, MD natural hazards

Most of the natural-hazard damage FEMA expects in Accident comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Accident?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Accident to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves7%Hurricanes6%Everything else20%

By hazard

What Accident faces

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

Inland flooding

67% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

6% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 35 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

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 Accident flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Garrett County.

Disasters that hit Accident

2 federal disasters brought FEMA money here

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

Brought FEMA money into AccidentDeclared for Garrett County only

2010

Severe Winter Storms and Snowstorms

$3K to the Town of Accident for repairs

2003

Snow

$2K to the Town of Accident for repairs

Garrett County has had 11 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. Accident 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 Accident’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Accident. 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.