Natural hazards · Flower Hill

Flower Hill, MD natural hazards

Most of the natural-hazard damage FEMA expects in Flower Hill comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2003.

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

Expected damage

How exposed is Flower Hill?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flower Hill to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding55%Heat waves13%Hurricanes9%Cold waves7%Everything else17%

By hazard

What Flower Hill faces

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

Inland flooding

55% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about 5 times a year in the area

Heat waves

13% of expected damage

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

Recorded about 6 times a year in the area

Hurricanes

9% of expected damage

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

Recorded about once every 10 years in the area

Cold waves

7% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Flower Hill flood?

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

1paid claims since 2003

$1Kpaid to owners

0homes flooded more than once

20032026

Biggest named events

Hurricane Isabel: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Flower Hill 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 Flower Hill

Federal disasters declared here

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

Brought FEMA money into Flower HillDeclared for Montgomery County only

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

Around Flower Hill

Flower Hill and the towns around it

Very lowLowModerateHighVery high

Flower Hillmostly inland floodingVery low

Montgomery Villagemostly inland floodingVery low

Redlandmostly inland floodingVery low

Gaithersburgmostly 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. Flower Hill covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Flower Hill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Flower Hill. 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 Flower Hill total about $1.2M 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.