Natural hazards · Clarksburg

Clarksburg, MD natural hazards

Most of the natural-hazard damage FEMA expects in Clarksburg 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 Clarksburg?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clarksburg to be higher than in 4% of U.S. communities, mostly from inland flooding.

Inland flooding60%Hurricanes11%Heat waves8%Everything else22%

By hazard

What Clarksburg faces

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

Inland flooding

60% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

11% of expected damage

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

Recorded about once every 10 years in the area

Heat waves

8% of expected damage

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

Recorded about 5 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Clarksburg flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clarksburg 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 Clarksburg

1 federal disaster brought FEMA money here

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

Brought FEMA money into ClarksburgDeclared for Montgomery County only

2003

Hurricane Isabel

10 households applied for aid $11K aid approved

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

Around Clarksburg

Clarksburg and the towns around it

Very lowLowModerateHighVery high

Clarksburgmostly inland floodingVery low

Germantownmostly inland floodingVery low

Damascusmostly inland floodingVery low

Ten Mile Creekmostly 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. Clarksburg covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Clarksburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to Clarksburg. 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 Clarksburg total about $2.7M 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.