Natural hazards · Grahamtown

Grahamtown, MD natural hazards

Most of the natural-hazard damage FEMA expects in Grahamtown 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 Grahamtown?

Very low

vs. U.S. communities

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

Inland flooding65%Strong wind10%Tornadoes6%Everything else19%

By hazard

What Grahamtown 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 Grahamtown flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Grahamtown 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.

Disasters that hit Grahamtown

Federal disasters declared here

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

Brought FEMA money into GrahamtownDeclared for Allegany County only

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

Around Grahamtown

Grahamtown and the towns around it

Very lowLowModerateHighVery high

Grahamtownmostly inland floodingVery low

Frostburgmostly 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. Grahamtown 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 Grahamtown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Grahamtown. 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.