Bon Air · Photo: E.H. Pickering, HABS photographer · Public domainOn FEMA’s figures, Fallston faces less hazard damage per building than 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fallston gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns, #196 of 261 in Maryland. Most of that expected damage is river and rain flooding (77%), then hurricanes (12%). Flood insurance has paid 2 claims here since 1978.
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 Fallston 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
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 Fallston’s grade
River and rain flooding is 77% of the building damage FEMA expects in Fallston, and Fallston’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Next is hurricanes at 12% (higher than 77% of U.S. census tracts).
A #196 of 261 in Maryland; lower expected damage per building than 93% of U.S. towns (21,298).
Fallston’s residents live in 2 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, Fallston has more expected damage per building than 75% of Maryland towns.
In dollars, FEMA expects about $1.9M a year in losses across Fallston: $1.4M to buildings, the rest to people and crops.
Does Fallston flood? Rarely: 2 flood claims since 1978
Every paid claim on a federal flood insurance policy in Fallston, from FEMA’s records: 0.6 per 1,000 homes, fewer than 87% of the 13,809 U.S. towns with a flood insurance record.
Fallston isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Harford County.1 federal disaster brought FEMA money to Fallston
Disasters that paid out in Fallston itself (aid to households or repair grants to Fallston), newest first, with that year’s flood claims.
- 2003Hurricane Isabel3 households applied for aid$3K aid approved
Harford County has had 15 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.
Old photos of Fallston after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fallston archive →Fallston and its neighbors
Fallston has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fallston | Aless damage than 93% | river and rain flooding | 2 |
| Bel Air North | Aless damage than 90% | river and rain flooding | 6 |
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 Fallston 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.
- 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 Fallston
Is Fallston at risk for natural disasters?
On FEMA’s National Risk Index, Fallston has lower expected damage per building than 93% of U.S. towns: A for hazard risk, #196 of 261 in Maryland. Most of the expected damage is river and rain flooding (77%) and hurricanes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fallston flood?
Flood insurance has paid 2 claims in Fallston since 1978, $14K in all, or 0.6 per 1,000 homes, fewer than 87% of U.S. towns with a flood insurance record.
Is Fallston 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 Harford County, 46% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Fallston?
FEMA’s Community Rating System list shows no discount for Fallston’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 Fallston?
By FEMA money that reached Fallston, Hurricane Isabel (2003): 3 households applied for aid, $3K approved.
Is Fallston at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Fallston’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fallston.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fallston’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.