Natural hazards · Severn

Severn, MD natural hazards

Most of the natural-hazard damage FEMA expects in Severn comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 9 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Severn?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Severn to be higher than in 3% of U.S. communities, mostly from inland flooding.

Inland flooding48%Hurricanes11%Heat waves11%Tornadoes10%Everything else21%

By hazard

What Severn faces

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

Inland flooding

48% of expected damage

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

Recorded about 4 times a year in the area

Hurricanes

11% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 11 years in the area

Heat waves

11% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

10% of expected damage

Below average · higher than 33% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Severn flood?

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

9paid claims since 1979

$31Kpaid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Anne Arundel County.

Disasters that hit Severn

1 federal disaster brought FEMA money here

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

Brought FEMA money into SevernDeclared for Anne Arundel County only

2003

Hurricane Isabel

18 households applied for aid $17K aid approved

Anne Arundel County has had 20 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Severn

Severn and the towns around it

Very lowLowModerateHighVery high

Severnmostly inland floodingVery low

Odentonmostly inland floodingVery low

Gambrillsmostly inland floodingVery low

Glen Burniemostly inland floodingVery low

Fort Meademostly inland floodingVery low

Jessupmostly 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. Severn covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Severn’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Severn. 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 Severn total about $6.1M 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.