Property Atlas

County hazard profile

Allegany, MD

Maryland · pop. 68,096 · FIPS 24001

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$15M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Allegany $15M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 58.52/100
national median ~50 near the national middle (59th percentile)
Social vulnerabilityVery High 81.23/100
national median ~50 higher than 81% of counties
Community resilienceVery High 80.88/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Allegany

The National Flood Insurance Program has paid 376 flood-insurance claims totaling $5.4M in Allegany since 1978. The costliest year was 1996 ($2.3M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $4,886 paid 1980: $0 paid 1981: $79 paid 1982: $0 paid 1984: $18,571 paid 1985: $49,244 paid 1989: $154,234 paid 1990: $0 paid 1991: $0 paid 1993: $10,988 paid 1995: $273,754 paid 1996: $2,260,243 paid 1998: $0 paid 2000: $10,224 paid 2002: $151,768 paid 2004: $158,920 paid 2008: $0 paid 2009: $8,858 paid 2010: $0 paid 2011: $0 paid 2012: $6,726 paid 2014: $168,374 paid 2015: $0 paid 2016: $8,554 paid 2017: $17,883 paid 2018: $32,093 paid 2021: $188,318 paid 2024: $0 paid 2025: $1,832,896 paid 1996 · $2.3M 1978 2025
$5.4M
total paid
$14,246
average claim
$797K
largest single claim
63%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Allegany, MD and where it ranks among U.S. counties. It is not a verdict on whether Allegany is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.