Natural hazards · Overlea

Overlea, MD natural hazards

Most of the natural-hazard damage FEMA expects in Overlea comes from heat waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1979.

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

Expected damage

How exposed is Overlea?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Overlea to be higher than in 7% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves37%Inland flooding35%Hurricanes7%Cold waves5%Everything else15%

By hazard

What Overlea faces

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

Heat waves

37% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 7 times a year in the area

Inland flooding

35% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 6 times a year in the area

Hurricanes

7% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 10 years in the area

Cold waves

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Overlea flood?

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

3paid claims since 1979

$2Kpaid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Baltimore County.

Disasters that hit Overlea

Federal disasters declared here

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

Brought FEMA money into OverleaDeclared for Baltimore County only

Baltimore County has had 20 natural disasters declared since 1953, most often winter storms and floods.

Around Overlea

Overlea and the towns around it

Very lowLowModerateHighVery high

Rosedalemostly inland floodingVery low

Baltimoremostly inland floodingVery low

Parkvillemostly inland floodingVery low

Overleamostly heat wavesVery low

Carneymostly heat wavesVery low

White Marshmostly inland floodingVery low

Rossvillemostly 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. Overlea covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Overlea’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Overlea. 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 Overlea total about $2.0M 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.