Less hazard damage per building is expected in Cresaptown than in 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cresaptown gets an A+ for hazard risk: lower expected damage per building than 95% of U.S. towns, #163 of 261 in Maryland. Most of that expected damage is river and rain flooding (85%). 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 Cresaptown 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
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 Cresaptown’s grade
River and rain flooding is 85% of the building damage FEMA expects in Cresaptown, and Cresaptown’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts.
A+ #163 of 261 in Maryland; lower expected damage per building than 95% of U.S. towns (21,298).
Cresaptown’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Maryland town has lower expected damage than 97% of U.S. towns; within the state, Cresaptown has more expected damage per building than 62% of Maryland towns.
In dollars, FEMA expects about $640K a year in losses across Cresaptown: $426K to buildings, the rest to people and crops.
Does Cresaptown flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cresaptown. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cresaptown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Allegany County.The storms Cresaptown remembers
None of the 13 disasters declared for Allegany County shows FEMA aid or repair money reaching Cresaptown itself in FEMA’s records, so these are its biggest flood-claim years.
Allegany County has had 13 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.
Cresaptown and its neighbors
Cresaptown is 2nd of the 2 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 |
|---|---|---|---|
| Bel Air | A+among the lowest damage | river and rain flooding | — |
| Cresaptown | A+less damage than 95% | river and rain flooding | 0 |
| Potomac Park | — | 978 residents; we grade 1,000+ | |
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 Cresaptown 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.
- 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 Cresaptown
Is Cresaptown at risk for natural disasters?
On FEMA’s National Risk Index, Cresaptown has lower expected damage per building than 95% of U.S. towns: A+ for hazard risk, #163 of 261 in Maryland. Most of the expected damage is river and rain flooding (85%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cresaptown 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 Allegany County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Cresaptown?
FEMA’s Community Rating System list shows no discount for Cresaptown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cresaptown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Cresaptown’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cresaptown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cresaptown’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.