Natural hazards · Union Bridge

Union Bridge, MD natural hazards

Most of the natural-hazard damage FEMA expects in Union Bridge comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Union Bridge?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union Bridge to be higher than in 38% of U.S. communities, mostly from inland flooding.

Inland flooding66%Strong wind8%Hurricanes5%Everything else20%

By hazard

What Union Bridge faces

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

Inland flooding

66% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 8 times a year in the area

Hurricanes

5% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Union Bridge flood?

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

5paid claims since 1978

$135Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Union Bridge

5 federal disasters brought FEMA money here

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

Brought FEMA money into Union BridgeDeclared for Carroll County only

2016

Severe Winter Storm and Snowstorm

$11K to the Town of Union Bridge for repairs

2014

Snowstorm

$4K to the Town of Union Bridge for repairs

2010

Severe Winter Storms and Snowstorms

$12K to the Town of Union Bridge for repairs

2003

Hurricane Isabel

6 households applied for aid $317 aid approved

2003

Snow

$6K to the Town of Union Bridge for repairs

Carroll County has had 16 natural disasters declared since 1953, most often winter storms and floods.

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. Union Bridge covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Union Bridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Union Bridge. 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 Union Bridge total about $484K 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.