Photo: Jsayre64 · CC BY-SA 3.0Storms, floods and disasters in Elkton
Elkton isn’t graded for hazard risk: Elkton has 150 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1996.
What Elkton 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
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.
Does Elkton flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Elkton, from FEMA’s records.
Elkton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Douglas County.The storms Elkton remembers
None of the 18 disasters declared for Douglas County shows FEMA aid or repair money reaching Elkton itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Severe Winter Storms, Land and Mudslides, Flooding, declared for Douglas County
Douglas County has had 18 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.
Also 5 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Douglas County, 2004–2020.
Old photos of Elkton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elkton archive →Get ready for what Elkton 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.
- 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 Elkton
Does Elkton flood?
Flood insurance has paid 1 claim in Elkton since 1996, $8K in all.
Is Elkton 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 Douglas County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.8% of all homes do.
How much is flood insurance in Elkton?
FEMA’s Community Rating System list shows no discount for Elkton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Elkton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elkton’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.