Natural hazards · Adamstown

Adamstown, MD natural hazards

Most of the natural-hazard damage FEMA expects in Adamstown comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Adamstown?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Adamstown to be higher than in 2% of U.S. communities, mostly from inland flooding.

Inland flooding62%Hurricanes8%Tornadoes7%Drought5%Everything else18%

By hazard

What Adamstown faces

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

Inland flooding

62% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

8% of expected damage

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

Recorded about once every 11 years in the area

Tornadoes

7% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once every 52 years in the area

Drought

5% of expected damage

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Adamstown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Frederick County.

Disasters that hit Adamstown

1 federal disaster brought FEMA money here

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

Brought FEMA money into AdamstownDeclared for Frederick County only

2003

Hurricane Isabel

5 households applied for aid $5K aid approved

Frederick County has had 20 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. Adamstown 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 Adamstown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Adamstown. 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.