Natural hazards · Fruitland

Fruitland, MD natural hazards

Most of the natural-hazard damage FEMA expects in Fruitland comes from hurricanes, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2013. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fruitland?

Low

vs. U.S. communities

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

Hurricanes45%Inland flooding27%Cold waves8%Everything else21%

By hazard

What Fruitland faces

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

Hurricanes

45% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

27% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once a year in the area

Cold waves

8% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Fruitland flood?

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

1paid claims since 2013

$4Kpaid to owners

1homes flooded more than once

20132026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wicomico County.

Disasters that hit Fruitland

4 federal disasters brought FEMA money here

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

Brought FEMA money into FruitlandDeclared for Wicomico County only

2012

Hurricane Sandy

$11K to the City of Fruitland for repairs

2011

Hurricane Irene

$18K to the City of Fruitland for repairs

2010

Severe Winter Storms and Snowstorms

$10K to the City of Fruitland for repairs

2003

Hurricane Isabel

3 households applied for aid $5K aid approved

Wicomico County has had 10 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. Fruitland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Fruitland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fruitland. 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 Fruitland total about $2.5M 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.