Natural hazards · Kitzmiller

Kitzmiller, MD natural hazards

Most of the natural-hazard damage FEMA expects in Kitzmiller comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1985. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kitzmiller?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kitzmiller to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding75%Cold waves6%Everything else19%

By hazard

What Kitzmiller faces

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

Inland flooding

75% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

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 Kitzmiller flood?

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

3paid claims since 1985

$17Kpaid to owners

0homes flooded more than once

19852026

Biggest named events

Hurricane Isabel: 1 claim, $16K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Garrett County.

Disasters that hit Kitzmiller

2 federal disasters brought FEMA money here

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

Brought FEMA money into KitzmillerDeclared for Garrett County only

2010

Severe Winter Storms and Snowstorms

$3K to the Town of Kitzmiller for repairs

2003

Snow

$1K to the Town of Kitzmiller for repairs

Garrett County has had 11 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. Kitzmiller 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 Kitzmiller’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Kitzmiller. 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.