Natural hazards · Clear Spring

Clear Spring, MD natural hazards

Most of the natural-hazard damage FEMA expects in Clear Spring comes from inland flooding, and overall the risk is very low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clear Spring?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clear Spring to be higher than in 10% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding51%Hurricanes17%Drought9%Tornadoes6%Everything else18%

By hazard

What Clear Spring faces

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

Inland flooding

51% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

17% of expected damage

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

Recorded about once every 14 years in the area

Drought

9% of expected damage

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 25 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

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 Clear Spring flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clear Spring 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 Clear Spring

4 federal disasters brought FEMA money here

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

Brought FEMA money into Clear SpringDeclared for Washington County only

2016

Severe Winter Storm and Snowstorm

$9K to the Town of Clear Spring for repairs

2010

Severe Winter Storms and Snowstorms

$15K to the Town of Clear Spring for repairs

2003

Hurricane Isabel

1 household applied for aid $3K aid approved

2003

Snow

$6K to the Town of Clear Spring for repairs

Washington County has had 14 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. Clear Spring 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 Clear Spring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clear Spring. 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.