Photo: Famartin · CC BY-SA 4.0On FEMA’s figures, Keedysville faces less hazard damage per building than 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Keedysville gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (80%), then hurricanes (11%). 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 Keedysville 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 Keedysville’s grade
River and rain flooding is 80% of the building damage FEMA expects in Keedysville, and Keedysville’s rate of river and rain flooding damage is lower than 50% of U.S. census tracts. Next is hurricanes at 11% (higher than 81% of U.S. census tracts).
B+ lower expected damage per building than 70% of U.S. towns (21,298).
All of Keedysville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $288K a year in losses across Keedysville: $214K to buildings, the rest to people and crops.
Does Keedysville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Keedysville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Keedysville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washington County.3 federal disasters brought FEMA money to Keedysville
Disasters that paid out in Keedysville itself (aid to households or repair grants to the Town of Keedysville), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$8K to the Town of Keedysville for repairs
- 2010Severe Winter Storms and Snowstorms$4K to the Town of Keedysville for repairs
- 2003Snow$3K to the Town of Keedysville for repairs
Washington 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.
Old photos of Keedysville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Keedysville archive →Get ready for what Keedysville 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 Keedysville
Is Keedysville at risk for natural disasters?
On FEMA’s National Risk Index, Keedysville has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (80%) and hurricanes (11%). 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 Keedysville 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 Washington County, 44% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Keedysville?
FEMA’s Community Rating System list shows no discount for Keedysville’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 Keedysville?
By FEMA money that reached Keedysville, Severe Winter Storm and Snowstorm (2016): $8K to the Town of Keedysville for repairs.
Is Keedysville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Keedysville’s rate for it is lower than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Keedysville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Keedysville’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.