Natural hazards · Mount Vernon

Mount Vernon, MD natural hazards

Most of the natural-hazard damage FEMA expects in Mount Vernon comes from hurricanes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Mount Vernon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Vernon to be higher than in 45% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes46%Inland flooding19%Cold waves8%Coastal flooding7%Wildfire6%Everything else13%

By hazard

What Mount Vernon faces

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

Hurricanes

46% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

19% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about once every 2 years in the area

Cold waves

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once a year in the area

Coastal flooding

7% of expected damage

Well above average · higher than 98% of U.S. places

Wildfire

6% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Mount Vernon flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Somerset County.

Disasters that hit Mount Vernon

Federal disasters declared here

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

Brought FEMA money into Mount VernonDeclared for Somerset County only

Somerset County has had 10 natural disasters declared since 1953, most often hurricanes and winter storms.

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