Natural hazards · Cottage

Cottage, MD natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cottage to be higher than in 28% of U.S. communities, mostly from inland flooding.

Inland flooding63%Heat waves9%Tornadoes8%Hurricanes6%Everything else14%

By hazard

What Cottage faces

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

Inland flooding

63% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Heat waves

9% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 33% of U.S. places

Hurricanes

6% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 11 years in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Cottage flood?

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

of all homes
are insured

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

Insurance rates: Prince George's County.

Disasters that hit Cottage

Federal disasters declared here

None of the disasters declared for Prince George's County shows FEMA aid or repair money reaching Cottage itself in FEMA’s records.

Brought FEMA money into CottageDeclared for Prince George's County only

Prince George's County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Cottage

Cottage and the towns around it

Very lowLowModerateHighVery high

Brentwoodmostly inland floodingVery high

Mount Rainiermostly inland floodingVery high

Cottage Citymostly inland floodingLow

Colmar Manormostly inland floodingLow

Hyattsvillemostly inland floodingLow

Bladensburgmostly 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. Cottage 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 Cottage’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cottage. 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.