Natural hazards · Cavetown

Cavetown, MD natural hazards

Most of the natural-hazard damage FEMA expects in Cavetown comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Cavetown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cavetown to be higher than in 20% of U.S. communities, mostly from inland flooding.

Inland flooding57%Hurricanes13%Drought8%Tornadoes6%Everything else16%

By hazard

What Cavetown faces

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

Inland flooding

57% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

13% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 12 years in the area

Drought

8% of expected damage

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

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

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 Cavetown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Cavetown

Federal disasters declared here

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

Brought FEMA money into CavetownDeclared for Washington County only

Washington County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Cavetown

Cavetown and the towns around it

Very lowLowModerateHighVery high

Cavetownmostly inland floodingLow

Chewsvillemostly inland floodingLow

Smithsburgmostly 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. Cavetown 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 Cavetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cavetown. 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.