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Natural hazards · National Harbor

National Harbor, MD natural hazards

Most of the natural-hazard damage FEMA expects in National Harbor comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1979.

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

How exposed is National Harbor?

5
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in National Harbor to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding58%Hurricanes9%Heat waves9%Tornadoes9%Earthquakes5%Everything else11%
By hazard

What National Harbor faces

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

Inland flooding

58% of expected damage
Well below average · higher than 13% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

9% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 11 years in the area

Heat waves

9% of expected damage
Well below average · higher than 3% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

9% of expected damage
Below average · higher than 32% of U.S. places

Earthquakes

5% of expected damage
Below average · higher than 46% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 National Harbor flood?

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

4paid claims since 1979
$43Kpaid to owners
0homes flooded more than once
19792026
of all homes
are insured
No community discount. National Harbor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Prince George's County.
Disasters that hit National Harbor

Federal disasters declared here

None of the disasters declared for Prince George's County shows FEMA aid or repair money reaching National Harbor itself in FEMA’s records.

Brought FEMA money into National HarborDeclared for Prince George's County only
Prince George's County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.
Around National Harbor

National Harbor and the towns around it

Forest Heights: Very low, mostly inland floodingFort Washington: Very low, mostly inland floodingOxon Hill: Very low, mostly inland floodingGlassmanor: Very low, mostly inland floodingAccokeek: Very low, mostly inland floodingClinton: Very low, mostly inland floodingFriendly: Very low, mostly inland floodingTemple Hills: Very low, mostly inland floodingCamp Springs: Very low, mostly inland floodingMarlow Heights: Very low, mostly inland floodingNational Harbor: Very low, mostly inland flooding National HarborForest HeightsFort WashingtonOxon Hill
Very lowLowModerateHighVery high
Fort Washingtonmostly inland floodingVery low
Oxon Hillmostly inland floodingVery low
Forest Heightsmostly inland floodingVery low
National Harbormostly 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. National Harbor covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to National Harbor’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to National Harbor. 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 National Harbor total about $914K 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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