Natural hazards · Urbana

Urbana, MD natural hazards

Most of the natural-hazard damage FEMA expects in Urbana comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2025.

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

Expected damage

How exposed is Urbana?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Urbana to be higher than in 2% of U.S. communities, mostly from inland flooding.

Inland flooding55%Tornadoes10%Heat waves9%Hurricanes6%Strong wind6%Everything else14%

By hazard

What Urbana faces

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

Inland flooding

55% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

10% of expected damage

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

Heat waves

9% of expected damage

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

Recorded about 4 times a year in the area

Hurricanes

6% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once every 11 years in the area

Strong wind

6% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 8 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Urbana flood?

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

1paid claims since 2025

$6Kpaid to owners

0homes flooded more than once

20252026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Urbana 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 Urbana

Federal disasters declared here

None of the disasters declared for Frederick County shows FEMA aid or repair money reaching Urbana itself in FEMA’s records.

Brought FEMA money into UrbanaDeclared for Frederick County only

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. Urbana covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Urbana’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Urbana. 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 Urbana total about $1.8M 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.