Property Atlas

County hazard profile

Garrett, MD

Maryland · pop. 28,794 · FIPS 24023

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$6M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Garrett $6M

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 indexVery Low 16/100
national median ~50 among the lowest nationally
Social vulnerabilityRelatively Moderate 48.41/100
national median ~50 near the national middle (48th percentile)
Community resilienceRelatively Moderate 57.06/100
national median ~50 near the national middle (57th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Garrett

The National Flood Insurance Program has paid 110 flood-insurance claims totaling $1.1M in Garrett since 1978. The costliest year was 1996 ($466K paid).

Flood-insurance dollars paid by year of loss

1978: $25,661 paid 1979: $2,692 paid 1981: $0 paid 1984: $10,210 paid 1985: $75,290 paid 1994: $160,788 paid 1996: $465,923 paid 2000: $36,410 paid 2001: $25,995 paid 2003: $9,654 paid 2008: $4,941 paid 2009: $0 paid 2010: $6,520 paid 2017: $98,110 paid 2018: $8,338 paid 2019: $33,006 paid 2021: $24,405 paid 2024: $0 paid 2025: $136,480 paid 2026: $0 paid 1996 · $466K 1978 2026
$1.1M
total paid
$10,222
average claim
$122K
largest single claim
57%
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 Garrett, MD and where it ranks among U.S. counties. It is not a verdict on whether Garrett 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.