Photo: Nyttend · Public domainStorms, floods and disasters in Friendsville
Friendsville isn’t graded for hazard risk: Friendsville has 416 residents; we grade towns of 1,000 or more. Flood insurance has paid 6 claims here since 1994.
What Friendsville 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.
Does Friendsville flood? Rarely: 6 flood claims since 1994
Every paid claim on a federal flood insurance policy in Friendsville, from FEMA’s records.
Friendsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Garrett County.2 federal disasters brought FEMA money to Friendsville
Disasters that paid out in Friendsville itself (aid to households or repair grants to the Town of Friendsville), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$5K to the Town of Friendsville for repairs
- 2010Severe Winter Storms and Snowstorms$5K to the Town of Friendsville for repairs1 flood claim paid that year
Garrett County has had 10 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 Friendsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Friendsville archive →Get ready for what Friendsville 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 Friendsville
Does Friendsville flood?
Flood insurance has paid 6 claims in Friendsville since 1994, $29K in all. 1 properties have flooded more than once.
Is Friendsville 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 Garrett County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Friendsville?
FEMA’s Community Rating System list shows no discount for Friendsville’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 Friendsville?
By FEMA money that reached Friendsville, Severe Winter Storms and Snowstorms (2010): $5K to the Town of Friendsville for repairs.
Storm stories
Memories, warnings and help from neighbors in Friendsville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Friendsville’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.