Natural hazards · Ocean

Ocean, MD natural hazards

Most of the natural-hazard damage FEMA expects in Ocean comes from inland flooding, 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 Ocean?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ocean to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding80%Strong wind6%Everything else14%

By hazard

What Ocean faces

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

Inland flooding

80% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Ocean flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ocean 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.

Disasters that hit Ocean

Federal disasters declared here

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

Brought FEMA money into OceanDeclared for Allegany County only

Allegany County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Ocean

Ocean and the towns around it

Very lowLowModerateHighVery high

Oceanmostly inland floodingModerate

Nationalmostly inland floodingModerate

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