Natural hazards · Federalsburg

Federalsburg, MD natural hazards

Most of the natural-hazard damage FEMA expects in Federalsburg comes from hurricanes, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1979. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Federalsburg?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Federalsburg to be higher than in 36% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes39%Inland flooding27%Drought8%Cold waves7%Strong wind6%Everything else14%

By hazard

What Federalsburg faces

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

Hurricanes

39% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

27% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about once a year in the area

Drought

8% of expected damage

Recorded about 3 times a year in the area

Cold waves

7% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 3 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Federalsburg flood?

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

11paid claims since 1979

$177Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caroline County.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Federalsburg

10 federal disasters brought FEMA money here

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

Brought FEMA money into FederalsburgDeclared for Caroline County only

2016

Severe Winter Storm and Snowstorm

$9K to the Town of Federalsburg for repairs

2012

Hurricane Sandy

$10K to the Town of Federalsburg for repairs

2011

Hurricane Irene

$17K to the Town of Federalsburg for repairs

2010

Severe Winter Storms and Snowstorms

$13K to the Town of Federalsburg for repairs

2009

Severe Winter Storm and Snowstorm

$9K to the Town of Federalsburg for repairs

2006

Severe Storms, Flooding, and Tornadoes

$92K to the Town of Federalsburg for repairs

2003

Hurricane Isabel

7 households applied for aid $2K aid approved $5K to the Town of Federalsburg for repairs

2003

Snow

$7K to the Town of Federalsburg for repairs

2000

Severe Winter Storm

$5K to the Town of Federalsburg for repairs

1999

Hurricane Floyd Major Disaster Declarations

$11K to the Town of Federalsburg for repairs

Caroline County has had 17 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. Federalsburg 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 Federalsburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Federalsburg. 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.