Natural hazards · Lonaconing

Lonaconing, MD natural hazards

Most of the natural-hazard damage FEMA expects in Lonaconing comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 19 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lonaconing?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lonaconing to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Lonaconing faces

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

Inland flooding

88% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Lonaconing flood?

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

19paid claims since 1979

$160Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Fran: 12 claims, $120K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lonaconing 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.

What’s been done with FEMA grants

22flood-prone properties bought out and cleared

Disasters that hit Lonaconing

5 federal disasters brought FEMA money here

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

Brought FEMA money into LonaconingDeclared for Allegany County only

2016

Severe Winter Storm and Snowstorm

$8K to the Town of Lonaconing for repairs

2012

Hurricane Sandy

$5K to the Town of Lonaconing for repairs

2010

Severe Winter Storms and Snowstorms

$13K to the Town of Lonaconing for repairs

2003

Hurricane Isabel

1 household applied for aid $2K aid approved

2003

Snow

$6K to the Town of Lonaconing for repairs

Allegany County has had 14 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. Lonaconing 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 Lonaconing’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lonaconing. 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.