Natural hazards · Lochearn

Lochearn, MD natural hazards

Most of the natural-hazard damage FEMA expects in Lochearn comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 58 claims here since 1978.

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

Expected damage

How exposed is Lochearn?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lochearn to be higher than in 21% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding50%Heat waves29%Hurricanes6%Everything else15%

By hazard

What Lochearn 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

Below average · higher than 40% of U.S. places

Recorded about 6 times a year in the area

Heat waves

29% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 7 times a year in the area

Hurricanes

6% of expected damage

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

Recorded about once every 10 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong 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 Lochearn flood?

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

58paid claims since 1978

$916Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Irene: 2 claims, $6K
Mid-spring storms: 1 claim, $2K
Hurricane Isabel: 1 claim, $5K

of all homes
are insured

No community discount. Lochearn 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 Lochearn

Federal disasters declared here

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

Brought FEMA money into LochearnDeclared for Baltimore County only

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

Around Lochearn

Lochearn and the towns around it

Very lowLowModerateHighVery high

Lochearnmostly inland floodingLow

Baltimoremostly inland floodingVery low

Woodlawnmostly inland floodingVery low

Pikesvillemostly inland floodingVery low

Milford Millmostly 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. Lochearn covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Lochearn’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lochearn. 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 Lochearn total about $5.0M 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.