Photo: Famartin · CC BY-SA 4.0Storms, floods and disasters in Loch Lynn Heights
Loch Lynn Heights isn’t graded for hazard risk: Loch Lynn Heights has 480 residents; we grade towns of 1,000 or more.
What Loch Lynn Heights 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 Loch Lynn Heights flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Loch Lynn Heights. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Loch Lynn Heights 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.3 federal disasters brought FEMA money to Loch Lynn Heights
Disasters that paid out in Loch Lynn Heights itself (aid to households or repair grants to the Town of Loch Lynn Heights), newest first, with that year’s flood claims.
- 2012Hurricane Sandy$6K to the Town of Loch Lynn Heights for repairs
- 2010Severe Winter Storms and Snowstorms$3K to the Town of Loch Lynn Heights for repairs
- 2003Snow$3K to the Town of Loch Lynn Heights for repairs
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 Loch Lynn Heights after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Loch Lynn Heights archive →Loch Lynn Heights and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mountain Lake Park | A+among the lowest damage | river and rain flooding | 2 |
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 Loch Lynn Heights 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 Loch Lynn Heights
Is Loch Lynn Heights 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 Loch Lynn Heights?
FEMA’s Community Rating System list shows no discount for Loch Lynn Heights’ 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 Loch Lynn Heights?
By FEMA money that reached Loch Lynn Heights, Hurricane Sandy (2012): $6K to the Town of Loch Lynn Heights for repairs.
Storm stories
Memories, warnings and help from neighbors in Loch Lynn Heights.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loch Lynn Heights’ 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.