Water Damage Restoration in Frederick, MD
Frederick by the numbers: 163 flood report days from 2016 to 2025, 84 freezing nights a year, 3 federal disaster declarations since 2016. Below: first steps, the records, Maryland insurance rules and costs.
Updated November 2, 2026
First Steps for Water in a Home in Frederick
- Burst pipe: shut the main water valve, then open the lowest faucet to drain the lines (burst pipe steps).
- Stay clear of wet outlets and cords.
- Photograph the damage, then call your insurer.
Frederick Flood Record
NOAA has 646 flood and flash flood reports for Charles, Frederick, Montgomery and Prince George's counties (Maryland part of the metro) from 2016 to 2025, on 163 separate days; July had the most.
At the Frederick Police Brks gauge, September is the wettest month with 5.8 inches on average.
Hurricanes, tropical storms or storm surge added 1 report day.
| Month | Flood report days | Normal precipitation (in) |
|---|---|---|
| January | 3 | 2.6 |
| February | 6 | 3 |
| March | 2 | 3.7 |
| April | 4 | 3.6 |
| May | 19 | 4 |
| June | 19 | 4.3 |
| July | 33 | 3.9 |
| August | 29 | 2.9 |
| September | 23 | 5.8 |
| October | 7 | 3.3 |
| November | 5 | 2.7 |
| December | 13 | 4 |
| County | Flood report days | Reports |
|---|---|---|
| Montgomery County | 88 | 296 |
| Prince George's County | 62 | 114 |
| Frederick County | 55 | 183 |
| Charles County | 27 | 53 |
Freezing Nights in Frederick
Frederick averages 84 nights a year at or below 32°F (Frederick Police Brks station). About 19 of them drop to 20°F or colder. NOAA counted 57 winter storm, ice or extreme cold days in Charles, Frederick, Montgomery and Prince George's counties (Maryland part of the metro) from 2016 to 2025.
Unheated crawl spaces, attics and garages freeze first (Red Cross); keep the heat at 55°F or more (IBHS).
Storms and Disasters in Frederick
Charles, Frederick, Montgomery and Prince George's counties (Maryland part of the metro) were named in 3 federal weather or fire declarations since 2016 (OpenFEMA).
Notable NOAA storm reports
- June 5, 2024: Tornado, EF1 (Montgomery County)The tornado began just east of the Seneca Creek State Park.
- July 12, 2022: Thunderstorm wind, 92 mph gust (Montgomery County)Hundreds of trees snapped and uprooted around Olney, with dozens falling onto houses and cars.
- August 4, 2020: Tropical storm (Montgomery County)Numerous trees were down throughout southeastern Montgomery County. There was an injury due to a tree down on an occupied vehicle near the intersection of West Lake Drive and Tuckerman Lane.
- May 15, 2018: Flash flood (Frederick County)Significant flash flooding occurred during the evening of May 15th from the city of Frederick southwestward toward Braddock Heights and Jefferson. The amount of damage shown here is total damage not already accounted for in other reports.
- May 2, 2016: Hail, 2.75 inch hail (Charles County)A cold front moved through the Mid-Atlantic region and showers and thunderstorms developed ahead and along the frontal boundary. Many thunderstorms became severe with large hail and damaging winds.
Federal disaster declarations
- January 24, 2026: Severe Winter StormWinter Storm, FEMA EM-3634
- June 25, 2018: Severe Storms And FloodingSevere Storm, FEMA DR-4374
- March 4, 2016: Severe Winter Storm And SnowstormSnowstorm, FEMA DR-4261
Frederick Housing at a Glance
Census figures for the city of Frederick (American Community Survey, 2020 to 2024): 35,421 housing units, a median build year of 1991, 35% built before 1980, 27% before 1970, 59% owner occupied.
Maryland Insurance Rules for Water Claims
Maryland treats failing to acknowledge a claim notice within 15 working days as an unfair claim settlement practice (COMAR 31.15.07.03).
Claim problems in Maryland go to the Maryland Insurance Administration.
Flood damage needs a separate flood policy, which typically starts 30 days after purchase (FloodSmart). Look up Frederick flood zones on FEMA's flood maps.
Restoration Cost Guide for Frederick
| Typical range (national) | Cost |
|---|---|
| Most jobs | $1,305 to $5,707 |
| Sewage, per sq ft | $7 to $7.50 |
| Average insurer payout, water or freeze claim | $15,400 |
Sources: Bob Vila, May 2023; III, 2019 to 2023.
Areas Served Around Frederick
The same 24/7 line covers the Frederick metro area, including:
- Frederick
- Gaithersburg
- Rockville
- Bowie
- College Park
- Laurel
- Greenbelt
- Hyattsville
Other Maryland city guides
Questions
When is the first freeze in Frederick?
The median first night at or below 32°F is November 6 and the median last is April 2 at the Frederick Police Brks station (NOAA normals, 1991 to 2020).
Does Maryland license mold assessment or remediation?
No longer. Maryland's 2008 Mold Remediation Services Act required licensing by the Home Improvement Commission, but that law was terminated on July 1, 2019 (Maryland Home Improvement Commission, licensing FAQ).
How fast does mold start?
Dry wet materials within 24 to 48 hours (EPA).
Sources: NOAA Storm Events, NOAA normals, OpenFEMA, Census ACS, COMAR 31.15.07.03, Maryland Home Improvement Commission, licensing FAQ, EPA mold guide.