Natural hazards · Frostburg

Frostburg, MD natural hazards

Most of the natural-hazard damage FEMA expects in Frostburg comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1996. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Frostburg?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frostburg to be higher than in 4% of U.S. communities, mostly from inland flooding.

Inland flooding65%Strong wind10%Tornadoes6%Everything else19%

By hazard

What Frostburg faces

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

Inland flooding

65% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Strong wind

10% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Below average · higher than 36% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Frostburg flood?

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

1paid claims since 1996

$250paid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Allegany County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

Disasters that hit Frostburg

4 federal disasters brought FEMA money here

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

Brought FEMA money into FrostburgDeclared for Allegany County only

2016

Severe Winter Storm and Snowstorm

$32K to the City of Frostburg for repairs

2012

Hurricane Sandy

$25K to the City of Frostburg for repairs

2010

Severe Winter Storms and Snowstorms

$17K to the City of Frostburg for repairs

2003

Snow

$25K to the City of Frostburg for repairs

Allegany County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Frostburg

Frostburg and the towns around it

Very lowLowModerateHighVery high

Frostburgmostly inland floodingVery low

Grahamtownmostly inland floodingVery low

Eckhart Minesmostly inland floodingVery low

Zihlmanmostly 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. Frostburg 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 Frostburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Frostburg. 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.