Natural hazards · Cloverly

Cloverly, MD natural hazards

Most of the natural-hazard damage FEMA expects in Cloverly comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1987.

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

Expected damage

How exposed is Cloverly?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cloverly to be higher than in 7% of U.S. communities, mostly from inland flooding.

Inland flooding64%Hurricanes10%Heat waves7%Everything else20%

By hazard

What Cloverly faces

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

Inland flooding

64% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

10% of expected damage

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

Recorded about once every 10 years in the area

Heat waves

7% of expected damage

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

Recorded about 6 times a year in the area

Lower here

TornadoesHailIce 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 Cloverly flood?

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

3paid claims since 1987

$38Kpaid to owners

0homes flooded more than once

19872026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cloverly 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 Cloverly

Federal disasters declared here

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

Brought FEMA money into CloverlyDeclared for Montgomery County only

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

Around Cloverly

Cloverly and the towns around it

Very lowLowModerateHighVery high

Layhillmostly inland floodingLow

Cloverlymostly inland floodingVery low

Colesvillemostly inland floodingVery low

Aspen Hillmostly inland floodingVery low

Fairlandmostly inland floodingVery low

Burtonsvillemostly inland floodingVery low

Spencervillemostly inland floodingVery low

Ashton-Sandy Springmostly 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. Cloverly covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Cloverly’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Cloverly. 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 Cloverly total about $854K 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.