🌍 ClimateRiskCheck

Natural Disaster Risk in Garrett County

Maryland

5.2out of 10
Moderate Risk

Risk Summary for Garrett County

Garrett County scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Landslide Hurricane

All 18 Hazard Scores

Avalanche
9.2
Landslide
8.0
Hurricane
7.6
Winter Weather
6.9
Drought
6.2
Hail
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Lightning
4.7
Earthquake
4.1
Wildfire
4.0
Strong Wind
4.0
Cold Wave
3.9
Ice Storm
3.3
Tornado
3.1
Extreme Heat
1.7
Riverine Flooding
1.0

How it compares

Garrett County
5.2
Maryland avg.
6.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Garrett County, Maryland

Situated in the United States, Garrett County in Maryland experiences a humid subtropical climate marked by warm summers, mild winters, and coastal storm exposure. Tropical storm and nor'easter impacts is a defining feature of the regional hazard profile that affects residents and property owners countywide.

FEMA rates Garrett County's composite natural disaster risk at 5.2 out of 10 β€” moderate risk. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. Residents should also account for landslide and hurricane risk in their preparedness planning.

Relative to other U.S. communities, Garrett County's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 6.5/10 state average. The hazard distribution here is led by avalanche and landslide, as measured by FEMA across Garrett County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Garrett County residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for Garrett County: Avalanche preparedness

  • Be aware of slope angles and recent snow loading, which drive avalanche risk.
  • Properties in runout zones may require specialized hazard assessment and insurance.
  • Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.

Cities in Garrett County

ZIP codes in Garrett County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.