Natural hazards · Owings

Owings, MD natural hazards

Most of the natural-hazard damage FEMA expects in Owings comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Owings?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Owings to be higher than in 9% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding41%Hurricanes23%Heat waves10%Strong wind7%Everything else20%

By hazard

What Owings faces

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

Inland flooding

41% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Hurricanes

23% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 10 years in the area

Heat waves

10% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 6 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Owings flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calvert County.

Disasters that hit Owings

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Owings itself: aid to households, or repair grants to Owings.

Brought FEMA money into OwingsDeclared for Calvert County only

2003

Hurricane Isabel

13 households applied for aid $2K aid approved

Calvert County has had 20 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. Owings 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 Owings’s own flood-insurance community; household aid to the registrant’s city; repair grants to Owings. 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.