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Sharpsburg-view-kyPhoto: Brian Stansberry · CC BY 4.0
–Not graded
Natural hazards in Sharpsburg · FEMA

Storms, floods and disasters in Sharpsburg

Sharpsburg isn’t graded for hazard risk: Sharpsburg has 519 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 25 declared for Bath County
By hazard

What Sharpsburg faces

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

River and rain flooding

84%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

7%of expected building damage
Above average · higher than 67% of U.S. census tracts
Smaller shares here
 Strong wind Hail Earthquakes Ice storms Hurricanes Winter storms Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts lightning at 12% of Sharpsburg’s expected losses. Lightning does little damage to buildings (0.1%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Sharpsburg flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Sharpsburg. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Sharpsburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bath County.
What’s been done with FEMA grants
1storm safe room built
Disasters

4 federal disasters brought FEMA money to Sharpsburg

Disasters that paid out in Sharpsburg itself (aid to households or repair grants to the City of Sharpsburg), newest first, with that year’s flood claims.

  1. 2015Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides4 households applied for aid$1K aid approved
  2. 2010Severe Storms, Flooding, Mudslides, and Tornadoes7 households applied for aid$10K aid approved
  3. 2004Severe Storms, Tornadoes, Flooding, and Mudslides3 households applied for aid$5K aid approved
  4. 2003Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and1 households applied for aid$607 aid approved
Disasters declared, by decade
Paid out in SharpsburgBath County only

Bath County has had 25 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Sharpsburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Sharpsburg archive →
Be ready

Get ready for what Sharpsburg faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Sharpsburg

Is Sharpsburg in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Bath County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Sharpsburg?

FEMA’s Community Rating System list shows no discount for Sharpsburg’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Sharpsburg?

By FEMA money that reached Sharpsburg, Severe Storms, Flooding, Mudslides, and Tornadoes (2010): 7 households applied for aid, $10K approved.

Storm stories

Memories, warnings and help from neighbors in Sharpsburg.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sharpsburg’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.