Natural hazards · Funkstown

Funkstown, MD natural hazards

Most of the natural-hazard damage FEMA expects in Funkstown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1984. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Funkstown?

Low

vs. U.S. communities

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

Inland flooding62%Hurricanes12%Tornadoes6%Everything else20%

By hazard

What Funkstown faces

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

Inland flooding

62% of expected damage

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

Recorded about 2 times a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 12 years in the area

Tornadoes

6% of expected damage

Below average · higher than 47% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Funkstown flood?

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

5paid claims since 1984

$15Kpaid to owners

1homes flooded more than once

19842026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Funkstown

3 federal disasters brought FEMA money here

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

Brought FEMA money into FunkstownDeclared for Washington County only

2016

Severe Winter Storm and Snowstorm

$3K to the Town of Funkstown for repairs

2010

Severe Winter Storms and Snowstorms

$2K to the Town of Funkstown for repairs

2003

Snow

$2K to the Town of Funkstown for repairs

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

Around Funkstown

Funkstown and the towns around it

Very lowLowModerateHighVery high

Funkstownmostly inland floodingLow

Hagerstownmostly 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. Funkstown 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 Funkstown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Funkstown. 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.