Natural hazards · Kemp Mill

Kemp Mill, MD natural hazards

Most of the natural-hazard damage FEMA expects in Kemp Mill comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1978.

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

Expected damage

How exposed is Kemp Mill?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kemp Mill to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding57%Earthquakes11%Heat waves9%Hurricanes8%Everything else16%

By hazard

What Kemp Mill faces

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

Inland flooding

57% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

11% of expected damage

Above average · higher than 63% of U.S. places

Heat waves

9% of expected damage

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

Recorded about 6 times a year in the area

Hurricanes

8% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 10 years in the area

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 Kemp Mill flood?

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

5paid claims since 1978

$19Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Kemp Mill

Federal disasters declared here

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

Brought FEMA money into Kemp MillDeclared for Montgomery County only

Montgomery County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Kemp Mill

Kemp Mill and the towns around it

Very lowLowModerateHighVery high

Four Cornersmostly inland floodingLow

Burnt Millsmostly inland floodingVery low

Kemp Millmostly inland floodingVery low

Forest Glenmostly inland floodingVery low

Silver Springmostly inland floodingVery low

Wheatonmostly inland floodingVery low

White Oakmostly inland floodingVery low

Colesvillemostly 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. Kemp Mill covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Kemp Mill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Kemp Mill. 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 Kemp Mill total about $1.2M 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.