Garrett County, Maryland: hazard risk
FEMA rates Garrett County's overall risk Very Low (score 16.0 of 100, higher than 15% of rated U.S. counties). Its storm record holds 754 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Relatively Moderate | 64.3 | $98K |
| Landslide | Relatively Low | 77.3 | $11K |
| Hurricane | Relatively Low | 63.8 | $292K |
| Drought | Relatively Low | 56.7 | $212K |
| Hail | Relatively Low | 48.3 | $228K |
| Lightning | Relatively Low | 39.6 | $147K |
| Strong Wind | Relatively Low | 31.1 | $282K |
| Cold Wave | Relatively Low | 29.8 | $386K |
| Avalanche | Very Low | 55.8 | $919 |
| Riverine Flooding | Very Low | 34.7 | $3.8M |
| Earthquake | Very Low | 32.4 | $89K |
| Wildfire | Very Low | 31.9 | $15K |
| Tornado | Very Low | 21.2 | $246K |
| Ice Storm | Very Low | 20.2 | $15K |
| Heat Wave | Very Low | 3.9 | $4K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Winter storms | 333 | 0 | $537K | 9th of 23 | 128th of 3,077 |
| Severe thunderstorm wind | 175 | 0 | $3.2M | 22nd of 23 | 1622nd of 3,080 |
| Floods | 92 | 0 | $6.3M | 20th of 23 | 816th of 3,080 |
| Hail | 48 | 0 | – | 19th of 23 | 2437th of 3,080 |
| Extreme cold | 47 | 0 | – | 18th of 23 | 363rd of 3,076 |
| High wind and dust storms | 36 | 0 | $610K | 18th of 23 | 811th of 3,080 |
| Tornadoes | 12 | 1 | $8.2M | 21st of 23 | 2209th of 3,080 |
| Lightning | 4 | 0 | $21K | 22nd of 23 | 1299th of 3,080 |
| Drought | 2 | 0 | – | 19th of 23 | 2316th of 3,063 |
| Heavy rain | 2 | 0 | – | 23rd of 23 | 2079th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Garrett County record: every hazard by year and month, the deadliest events and FEMA's declarations.