Photo: SlipperyDude · CC BY-SA 3.0On FEMA’s figures, few U.S. towns expect less hazard damage per building than Queen Anne, mostly from river and rain flooding
On FEMA’s National Risk Index, Queen Anne gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (60%), then hurricanes (20%). Flood insurance has paid 1 claim here since 2018.
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 Queen Anne 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 Queen Anne’s grade
River and rain flooding is 60% of the building damage FEMA expects in Queen Anne, and Queen Anne’s rate of river and rain flooding damage is lower than 99% of U.S. census tracts. Next is hurricanes at 20% (higher than 72% of U.S. census tracts).
A+ among the lowest expected damage per building of U.S. towns (21,298).
All of Queen Anne’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $288K a year in losses across Queen Anne: $196K to buildings, the rest to people and crops.
Does Queen Anne flood? Rarely: 1 flood claim since 2018
Every paid claim on a federal flood insurance policy in Queen Anne, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
Queen Anne 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 Queen Anne remembers
None of the 15 disasters declared for Prince George's County shows FEMA aid or repair money reaching Queen Anne itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidNo declaration for the county that year
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.
Old photos of Queen Anne after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Queen Anne archive →Queen Anne and its neighbors
Queen Anne has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Queen Anne | A+among the lowest damage | river and rain flooding | 1 |
| Bowie | A+less damage than 98% | river and rain flooding | 6 |
| Brock Hall | A+less damage than 96% | river and rain flooding | 19 |
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 Queen Anne 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 Queen Anne
Is Queen Anne at risk for natural disasters?
On FEMA’s National Risk Index, Queen Anne has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (60%) and hurricanes (20%). 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.
Does Queen Anne flood?
Flood insurance has paid 1 claim in Queen Anne since 2018, $10K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record.
Is Queen Anne 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 Queen Anne?
FEMA’s Community Rating System list shows no discount for Queen Anne’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Queen Anne at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Queen Anne’s rate for it is lower than 99% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Queen Anne.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Queen Anne’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.