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–Not graded
Natural hazards in Laytonsville · FEMA

Storms, floods and disasters in Laytonsville

Laytonsville isn’t graded for hazard risk: Laytonsville has 677 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 17 declared for Montgomery County
By hazard

What Laytonsville 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

72%of expected building damage
Well below average · lower than 91% of U.S. census tracts
Recorded about 5 times a year in the area

Hurricanes

13%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about once every 11 years in the area

Earthquakes

5%of expected building damage
About average · lower than 57% of U.S. census tracts
Smaller shares here
 Hail Tornadoes Strong wind Lightning Winter storms Cold waves Ice storms Wildfire Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 11% of Laytonsville’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Laytonsville flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Laytonsville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Laytonsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Montgomery County.
Disasters

3 federal disasters brought FEMA money to Laytonsville

Disasters that paid out in Laytonsville itself (aid to households or repair grants to the Town of Laytonsville), newest first, with that year’s flood claims.

  1. 2010Severe Winter Storms and Snowstorms$2K to the Town of Laytonsville for repairs
  2. 2009Severe Winter Storm and Snowstorm$1K to the Town of Laytonsville for repairs
  3. 2003Hurricane Isabel2 households applied for aid$1K to the Town of Laytonsville for repairs
Disasters declared, by decade
Paid out in LaytonsvilleMontgomery County only

Montgomery County has had 17 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Laytonsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Laytonsville archive →
Be ready

Get ready for what Laytonsville faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Laytonsville

Is Laytonsville 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 Montgomery County, 51% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Laytonsville?

FEMA’s Community Rating System list shows no discount for Laytonsville’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 Laytonsville?

By FEMA money that reached Laytonsville, Severe Winter Storms and Snowstorms (2010): $2K to the Town of Laytonsville for repairs.

Storm stories

Memories, warnings and help from neighbors in Laytonsville.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Laytonsville’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.