Natural hazards · Calverton

Calverton, MD natural hazards

Most of the natural-hazard damage FEMA expects in Calverton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2012.

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

Expected damage

How exposed is Calverton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Calverton to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding55%Heat waves10%Hurricanes10%Tornadoes6%Everything else18%

By hazard

What Calverton faces

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

Inland flooding

55% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about 5 times a year in the area

Heat waves

10% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 6 times a year in the area

Hurricanes

10% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 11 years in the area

Tornadoes

6% of expected damage

Below average · higher than 34% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Calverton flood?

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

1paid claims since 2012

$3Kpaid to owners

0homes flooded more than once

20122026

Biggest named events

Hurricane Sandy: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Calverton

Federal disasters declared here

None of the disasters declared for Montgomery County shows FEMA aid or repair money reaching Calverton itself in FEMA’s records.

Brought FEMA money into CalvertonDeclared for Montgomery County only

Montgomery County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Calverton

Calverton and the towns around it

Very lowLowModerateHighVery high

White Oakmostly inland floodingVery low

Calvertonmostly inland floodingVery low

Fairlandmostly inland floodingVery low

Beltsvillemostly inland floodingVery low

Konterramostly 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. Calverton covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Calverton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Calverton. 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 Calverton total about $1.9M 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.