Natural hazards · Eldersburg

Eldersburg, MD natural hazards

Most of the natural-hazard damage FEMA expects in Eldersburg comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1979.

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

Expected damage

How exposed is Eldersburg?

Very low

vs. U.S. communities

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

Inland flooding53%Strong wind16%Heat waves7%Hurricanes6%Everything else19%

By hazard

What Eldersburg faces

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

Inland flooding

53% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 3 times a year in the area

Strong wind

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 8 times a year in the area

Heat waves

7% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Eldersburg flood?

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

5paid claims since 1979

$213Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Eldersburg

Federal disasters declared here

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

Brought FEMA money into EldersburgDeclared for Carroll County only

Carroll County has had 16 natural disasters declared since 1953, most often winter storms and floods.

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. Eldersburg covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Eldersburg’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Eldersburg. 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 Eldersburg total about $5.1M 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.