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Main St in Union BridgePhoto: Daedal45 · CC BY-SA 4.0
–Not graded
Natural hazards in Union Bridge · FEMA

Storms, floods and disasters in Union Bridge

Union Bridge isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Union Bridge yet. Flood insurance has paid 5 claims here since 1978.

Flood claims
5
paid since 1978 · $135K
Disasters paid out here
5
of 15 declared for Carroll County
By hazard

What Union Bridge 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

84%of expected building damage
Above average · higher than 61% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Strong wind Hurricanes Earthquakes Tornadoes Hail Winter storms Cold waves Lightning Wildfire Ice storms Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Union Bridge flood? Rarely: 5 flood claims since 1978

Every paid claim on a federal flood insurance policy in Union Bridge, from FEMA’s records.

Paid flood claims, by year
1978: 1 claim1979: 0 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 3 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197819962018
19782026
5
paid claims since 1978
$135K
paid to owners
0
homes flooded more than once
$27K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Carroll County.
Disasters

5 federal disasters brought FEMA money to Union Bridge

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

  1. 2016Severe Winter Storm and Snowstorm$11K to the Town of Union Bridge for repairs
  2. 2014Snowstorm$4K to the Town of Union Bridge for repairs
  3. 2010Severe Winter Storms and Snowstorms$12K to the Town of Union Bridge for repairs
  4. 2003Hurricane Isabel6 households applied for aid$317 aid approved
  5. 2003Snow$6K to the Town of Union Bridge for repairs
Disasters declared, by decade
Paid out in Union BridgeCarroll County only

Carroll 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.

Were you here?

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

Add to the Union Bridge archive →
Be ready

Get ready for what Union Bridge 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 ↗
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 Union Bridge

Does Union Bridge flood?

Flood insurance has paid 5 claims in Union Bridge since 1978, $135K in all.

Is Union Bridge 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 Carroll County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Union Bridge?

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

By FEMA money that reached Union Bridge, Severe Winter Storms and Snowstorms (2010): $12K to the Town of Union Bridge for repairs.

Storm stories

Memories, warnings and help from neighbors in Union Bridge.

Town Square →
Start the conversation

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