Natural hazards · Thurmont

Thurmont, MD natural hazards

Most of the natural-hazard damage FEMA expects in Thurmont comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2011. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thurmont?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Thurmont to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding78%Everything else23%

By hazard

What Thurmont faces

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

Inland flooding

78% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Thurmont flood?

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

2paid claims since 2011

$15Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Hurricane Ida: 1 claim, $7K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Frederick County.

Disasters that hit Thurmont

5 federal disasters brought FEMA money here

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

Brought FEMA money into ThurmontDeclared for Frederick County only

2016

Severe Winter Storm and Snowstorm

$31K to the Town of Thurmont for repairs

2010

Severe Winter Storms and Snowstorms

$21K to the Town of Thurmont for repairs

2003

Hurricane Isabel

3 households applied for aid $5K aid approved

2003

Snow

$4K to the Town of Thurmont for repairs

2000

Severe Winter Storm

$2K to the Town of Thurmont for repairs

Frederick 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. Thurmont covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Thurmont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Thurmont. 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 Thurmont total about $1.2M 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.