Property Atlas

County hazard profile

Carroll, MD

Maryland · pop. 172,826 · FIPS 24013

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$32M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Carroll $32M

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 59.51/100
national median ~50 near the national middle (60th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 81.49/100
national median ~50 higher than 81% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carroll

The National Flood Insurance Program has paid 138 flood-insurance claims totaling $1.2M in Carroll since 1978. The costliest year was 1996 ($335K paid).

Flood-insurance dollars paid by year of loss

1978: $5,612 paid 1979: $217,771 paid 1980: $1,114 paid 1981: $0 paid 1983: $0 paid 1984: $1,200 paid 1985: $14,717 paid 1987: $294 paid 1989: $6,706 paid 1990: $0 paid 1991: $0 paid 1993: $0 paid 1996: $335,185 paid 2001: $466 paid 2003: $45,002 paid 2005: $0 paid 2009: $132,715 paid 2010: $0 paid 2011: $70,363 paid 2012: $9,457 paid 2013: $21,292 paid 2014: $7,632 paid 2015: $14,902 paid 2018: $211,893 paid 2019: $5,608 paid 2020: $10,842 paid 2021: $85,307 paid 2024: $0 paid 2025: $10,727 paid 1996 · $335K 1978 2025
$1.2M
total paid
$8,759
average claim
$200K
largest single claim
60%
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 Carroll, MD and where it ranks among U.S. counties. It is not a verdict on whether Carroll 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.