Natural hazards · Moscow

Moscow, MD natural hazards

Most of the natural-hazard damage FEMA expects in Moscow comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Moscow?

High

vs. U.S. communities

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

Inland flooding88%Everything else12%

By hazard

What Moscow 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 Moscow flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Moscow 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

1flood-prone properties bought out and cleared

Disasters that hit Moscow

Federal disasters declared here

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

Brought FEMA money into MoscowDeclared for Allegany County only

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