Photo: KOMUnews · CC BY 2.0More hazard damage per building is expected in Glasgow than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Glasgow gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (84%). 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 Glasgow 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
Tornadoes
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 Glasgow’s grade
River and rain flooding is 84% of the building damage FEMA expects in Glasgow, and Glasgow’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Next is tornadoes at 9% (higher than 84% of U.S. census tracts).
C higher expected damage per building than 70% of U.S. towns (21,298).
Glasgow’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $726K a year in losses across Glasgow: $397K to buildings, the rest to people and crops.
Does Glasgow flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Glasgow. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Glasgow isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Howard County.11 federal disasters brought FEMA money to Glasgow
Disasters that paid out in Glasgow itself (aid to households or repair grants to the City of Glasgow), newest first, with that year’s flood claims.
- 2021Severe Storms, Straight-line Winds, Tornadoes, and Flooding$1.6M to the City of Glasgow for repairs
- 2019Severe Storms, Tornadoes, and Flooding1 households applied for aid$38K to the City of Glasgow for repairs
- 2011Severe Winter Storm and Snowstorm$3K to the City of Glasgow for repairs
- 2010Severe Storms, Flooding, and Tornadoes$891K to the City of Glasgow for repairs
- 2008Severe Storms, Flooding, and a Tornado$7K to the City of Glasgow for repairs
- 2008Severe Storms and Flooding$9K to the City of Glasgow for repairs
Show all 11
- 2008Severe Storms and Flooding2 households applied for aid$9K aid approved
- 2007Severe Storms and Flooding$4K to the City of Glasgow for repairs
- 2006Severe Storms, Tornadoes and Flooding24 households applied for aid$9K aid approved
- 2003Severe Storms, Tornadoes, and Flooding3 households applied for aid$5K aid approved$10K to the City of Glasgow for repairs
- 2002Severe Winter Ice Storm$3K to the City of Glasgow for repairs
Howard County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Glasgow after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Glasgow archive →Get ready for what Glasgow 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Glasgow
Is Glasgow at risk for natural disasters?
On FEMA’s National Risk Index, Glasgow has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Glasgow 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 Howard County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Glasgow?
FEMA’s Community Rating System list shows no discount for Glasgow’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 Glasgow?
By FEMA money that reached Glasgow, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2021): $1.6M to the City of Glasgow for repairs.
Is Glasgow at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Glasgow’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Glasgow.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Glasgow’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.