Eldersburg, Maryland: natural disaster risk
How exposed Eldersburg is to floods, storms and other hazards, from FEMA and NOAA records for Carroll County.
Eldersburg is a community of 31,695 people in Carroll County, Maryland. FEMA's National Risk Index rates Carroll County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, strong wind and hurricane, with about $32.3 million in expected losses a year across the county. The weather service has logged 701 storm reports in the county since 1965, including 27 tornadoes and 143 floods. NOAA hurricane records show 2 hurricanes and 14 tropical storms passing within 65 miles of the county's center. About 0.3% of homes in the county carry federal flood insurance.
Risk figures are for Carroll County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Eldersburg
Full Carroll County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Secure outdoor furniture and trash bins before storms.
- Have trees near the house checked.
- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $18M | |
| Strong wind | $4M | |
| Hurricane | $2M | |
| Heat wave | $2M | |
| Cold wave | $1M | |
| Tornado | $1M | |
| Earthquake | $1M | |
| Drought | $1M | |
| Lightning | $1M | |
| Hail | $538K | |
| Winter weather | $454K | |
| Ice storm | $52K |
Homes in Eldersburg
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Carroll County
Common questions about Eldersburg
Is Eldersburg safe from natural disasters?
Eldersburg is in Carroll County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, strong wind, hurricane. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Eldersburg?
By expected yearly losses in Carroll County, the top hazards are inland flooding (Low), strong wind (High), hurricane (Low). Carroll County has been part of 17 federal disaster or emergency declarations for natural events.
Does Eldersburg get tornadoes?
Yes. NOAA records list 27 tornadoes in Carroll County since 1950; the strongest was an F3 tornado on July 19, 1996 near Gamber. FEMA rates tornado risk in the county low.
Do I need flood insurance in Eldersburg?
Standard home insurance does not cover floods. In Carroll County, about 0.3% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.