Natural hazards · Spencerville

Spencerville, MD natural hazards

Most of the natural-hazard damage FEMA expects in Spencerville 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 Spencerville?

Very low

vs. U.S. communities

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

Inland flooding57%Hurricanes11%Heat waves8%Earthquakes7%Everything else18%

By hazard

What Spencerville faces

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

Inland flooding

57% of expected damage

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

Recorded about 5 times a year in the area

Hurricanes

11% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 11 years in the area

Heat waves

8% of expected damage

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

Recorded about 6 times a year in the area

Earthquakes

7% of expected damage

Below average · higher than 47% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Spencerville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Spencerville

1 federal disaster brought FEMA money here

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

Brought FEMA money into SpencervilleDeclared for Montgomery County only

2003

Hurricane Isabel

1 household applied for aid $1K aid approved

Montgomery County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Spencerville

Spencerville and the towns around it

Very lowLowModerateHighVery high

Cloverlymostly inland floodingVery low

Spencervillemostly inland floodingVery low

Ashton-Sandy Springmostly inland floodingVery low

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