Natural hazards · Garrison

Garrison, MD natural hazards

Most of the natural-hazard damage FEMA expects in Garrison comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1989.

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

Expected damage

How exposed is Garrison?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garrison to be higher than in 7% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding50%Heat waves21%Hurricanes10%Earthquakes5%Everything else14%

By hazard

What Garrison faces

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

Inland flooding

50% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 6 times a year in the area

Heat waves

21% of expected damage

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

Recorded about 6 times a year in the area

Hurricanes

10% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 10 years in the area

Earthquakes

5% of expected damage

Above average · higher than 53% of U.S. places

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 Garrison flood?

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

3paid claims since 1989

$259Kpaid to owners

0homes flooded more than once

19892026

of all homes
are insured

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

Insurance rates: Baltimore County.

Disasters that hit Garrison

Federal disasters declared here

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

Brought FEMA money into GarrisonDeclared for Baltimore County only

Baltimore County has had 20 natural disasters declared since 1953, most often winter storms and floods.

Around Garrison

Garrison and the towns around it

Very lowLowModerateHighVery high

Garrisonmostly inland floodingVery low

Randallstownmostly inland floodingVery low

Pikesvillemostly inland floodingVery low

Owings Millsmostly 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. Garrison covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Garrison’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Garrison. 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 Garrison total about $1.1M 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.