Natural hazards · Finzel

Finzel, MD natural hazards

Most of the natural-hazard damage FEMA expects in Finzel comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Finzel?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Finzel to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding63%Cold waves8%Strong wind7%Tornadoes5%Everything else17%

By hazard

What Finzel 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

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 5 times a year in the area

Strong wind

7% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

5% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 27 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

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 Finzel flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Garrett County.

Disasters that hit Finzel

Federal disasters declared here

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

Brought FEMA money into FinzelDeclared for Garrett County only

Garrett County has had 11 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. Finzel 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 Finzel’s own flood-insurance community; household aid to the registrant’s city; repair grants to Finzel. 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.