FEMA expects less hazard damage per building in Konterra than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Konterra gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #9 of 261 in Maryland. Most of that expected damage is river and rain flooding (68%), then hurricanes (17%). 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 Konterra 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
Earthquakes
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 Konterra’s grade
River and rain flooding is 68% of the building damage FEMA expects in Konterra, and Konterra’s rate of river and rain flooding damage is lower than 97% of U.S. census tracts. Next is hurricanes at 17% (higher than 72% of U.S. census tracts).
A+ #9 of 261 in Maryland; among the lowest expected damage per building of U.S. towns (21,298).
Konterra’s residents live in 5 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, Konterra has less expected damage per building than 97% of Maryland towns.
In dollars, FEMA expects about $374K a year in losses across Konterra: $262K to buildings, the rest to people and crops.
Does Konterra flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Konterra. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Konterra isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Prince George's County.The storms Konterra remembers
None of the 15 disasters declared for Prince George's County shows FEMA aid or repair money reaching Konterra itself in FEMA’s records, so these are its biggest flood-claim years.
Prince George's County has had 15 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Konterra and its neighbors
Konterra is 2nd of the 8 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 |
|---|---|---|---|
| Laurel | A+among the lowest damage | river and rain flooding | 7 |
| Konterra | A+among the lowest damage | river and rain flooding | 0 |
| West Laurel | A+among the lowest damage | river and rain flooding | 1 |
| South Laurel | A+among the lowest damage | river and rain flooding | 5 |
| Burtonsville | A+among the lowest damage | river and rain flooding | 1 |
| Beltsville | A+among the lowest damage | river and rain flooding | 8 |
| Fairland | A+less damage than 98% | river and rain flooding | 7 |
| Calverton | A+less damage than 98% | river and rain flooding | 1 |
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 Konterra 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Konterra
Is Konterra at risk for natural disasters?
On FEMA’s National Risk Index, Konterra has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #9 of 261 in Maryland. Most of the expected damage is river and rain flooding (68%) and hurricanes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Konterra 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 Prince George's County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Konterra?
FEMA’s Community Rating System list shows no discount for Konterra’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Konterra at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Konterra’s rate for it is lower than 97% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Konterra.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Konterra’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.