Photo: Ken Gallager · CC BY-SA 4.0Storms, floods and disasters in Hart's Location
Hart's Location isn’t graded for hazard risk: Hart's Location has 49 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2011.
What Hart's Location 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 Hart's Location flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Hart's Location, from FEMA’s records.
- Hurricane Irene1 claim · $4K
Hart's Location 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.1 federal disaster brought FEMA money to Hart's Location
Disasters that paid out in Hart's Location itself (aid to households or repair grants to the Town of Hart's Location), newest first, with that year’s flood claims.
- 2011Tropical Storm Irene6 households applied for aid$714 aid approved$225K to the Town of Hart's Location for repairs1 flood claim paid for it, $4K
Carroll County has had 28 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hart's Location after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hart's Location archive →Hart's Location and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
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 Hart's Location 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 Hart's Location
Does Hart's Location flood?
Flood insurance has paid 1 claim in Hart's Location since 2011, $4K in all. The most claims came from Hurricane Irene (1).
Is Hart's Location 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, 11% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Hart's Location?
FEMA’s Community Rating System list shows no discount for Hart's Location’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 Hart's Location?
By FEMA money that reached Hart's Location, Tropical Storm Irene (2011): 6 households applied for aid, $714 approved, and $225K to the Town of Hart's Location for repairs. By flood claims, Hurricane Irene: 1 paid, $4K.
Storm stories
Memories, warnings and help from neighbors in Hart's Location.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hart's Location’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.