Natural hazards · Four Corners

Four Corners, MD natural hazards

Most of the natural-hazard damage FEMA expects in Four Corners comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2006.

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

Expected damage

How exposed is Four Corners?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Four Corners to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding64%Earthquakes8%Heat waves8%Hurricanes7%Everything else14%

By hazard

What Four Corners faces

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

Inland flooding

64% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

8% of expected damage

Above average · higher than 57% of U.S. places

Heat waves

8% of expected damage

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

Recorded about 6 times a year in the area

Hurricanes

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Four Corners flood?

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

3paid claims since 2006

$18Kpaid to owners

0homes flooded more than once

20062026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Four Corners 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 Four Corners

Federal disasters declared here

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

Brought FEMA money into Four CornersDeclared for Montgomery County only

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

Around Four Corners

Four Corners and the towns around it

Very lowLowModerateHighVery high

Four Cornersmostly inland floodingLow

Burnt Millsmostly inland floodingVery low

Kemp Millmostly inland floodingVery low

Hillandalemostly inland floodingVery low

Silver Springmostly 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. Four Corners covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Four Corners’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Four Corners. 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 Four Corners total about $1.3M 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.