Natural hazards · Graceham

Graceham, MD natural hazards

Most of the natural-hazard damage FEMA expects in Graceham comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Graceham?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Graceham to be higher than in 10% of U.S. communities, mostly from inland flooding.

Inland flooding73%Tornadoes6%Heat waves5%Everything else16%

By hazard

What Graceham faces

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

Inland flooding

73% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

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

Heat waves

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold 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 Graceham flood?

FEMA's records show no paid flood insurance claims in Graceham.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Frederick County.

Disasters that hit Graceham

Federal disasters declared here

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

Brought FEMA money into GracehamDeclared for Frederick County only

Frederick County has had 20 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. Graceham 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 Graceham’s own flood-insurance community; household aid to the registrant’s city; repair grants to Graceham. 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.