Natural Disaster Risk in Frostburg
Maryland
Risk Summary for Frostburg
Frostburg scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Frostburg, Maryland
Frostburg, in Allegany County, is a city of approximately 13,647 residents situated along the mid-Atlantic coast. Its humid subtropical climate brings warm summers, mild winters, and coastal storm exposure, and in particular tropical storm and nor'easter impacts. These conditions collectively define the natural hazard environment that Frostburg residents and property owners must navigate.
According to FEMA's National Risk Index, Frostburg carries an overall risk score of 6.1/10, placing it in the high category. Landslide and debris flow risk tops the local hazard profile, with steep terrain and periodic heavy rainfall creating conditions for rapid slope failure in vulnerable areas. The area also faces notable exposure to avalanche and hurricane.
Within Maryland, Frostburg's risk is, slightly below the 6.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Allegany County identifies landslide as the foremost hazard, followed by avalanche and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Frostburg's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Frostburg: Landslide preparedness
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage β ask about specialized coverage.
Local Factors for Frostburg
These city-level factors differentiate Frostburg from other communities in Allegany County and provide geographic context for its hazard exposure.
Population
13,647
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.7Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 3.1/10
Coordinates
39.6556Β° N, 78.9603Β° W
Allegany County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Frostburg
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Frostburg
Other cities in Maryland
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.