Cross Roads Church · Photo: Pubdog · Public domainLess hazard damage per building is expected in Arden on the Severn than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Arden on the Severn gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then hurricanes (14%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Arden on the Severn 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
Hurricanes
Coastal flooding
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.
What’s behind Arden on the Severn’s grade
River and rain flooding is 70% of the building damage FEMA expects in Arden on the Severn, and Arden on the Severn’s rate of river and rain flooding damage is lower than 92% of U.S. census tracts. Coastal flooding adds 6%, at a rate in the top 4% of U.S. census tracts.
A+ lower expected damage per building than 98% of U.S. towns (21,298).
All of Arden on the Severn’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $253K a year in losses across Arden on the Severn: $175K to buildings, the rest to people and crops.
Does Arden on the Severn flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Arden on the Severn. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Arden on the Severn isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Anne Arundel County.The storms Arden on the Severn remembers
None of the 19 disasters declared for Anne Arundel County shows FEMA aid or repair money reaching Arden on the Severn itself in FEMA’s records, so these are its biggest flood-claim years.
Anne Arundel County has had 19 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Arden on the Severn and its neighbors
Arden on the Severn is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Herald Harbor | A+less damage than 98% | river and rain flooding | — |
| Severna Park | A+less damage than 98% | river and rain flooding | 36 |
| Arden on the Severn | A+less damage than 98% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Arden on the Severn faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Arden on the Severn
Is Arden on the Severn at risk for natural disasters?
On FEMA’s National Risk Index, Arden on the Severn has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (70%) and hurricanes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Arden on the Severn 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 Anne Arundel County, 2.5% of all homes carry federal flood insurance.
How much is flood insurance in Arden on the Severn?
FEMA’s Community Rating System list shows no discount for Arden on the Severn’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Arden on the Severn at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Arden on the Severn’s rate for it is lower than 92% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Arden on the Severn.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Arden on the Severn’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.