🌍 ClimateRiskCheck

Natural Disaster Risk in Baltimore

Maryland

6.5out of 10
High Risk

Risk Summary for Baltimore

Baltimore scores 6.5/10 (High risk), above the U.S. average of 4.5.

All 18 Hazard Scores

Riverine Flooding
0.0
Wildfire
0.0
Earthquake
0.0
Tornado
0.0
Hurricane
0.0
Strong Wind
0.0
Hail
0.0
Drought
0.0
Extreme Heat
0.0
Winter Weather
0.0
Lightning
0.0
Landslide
0.0
Tsunami
0.0
Volcanic Activity
0.0
Avalanche
0.0
Coastal Flooding
0.0
Cold Wave
0.0
Ice Storm
0.0

How it compares

Baltimore
6.5
Maryland avg.
6.5
US national avg.
4.5

Live Conditions

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🏠 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: Baltimore, Maryland

Baltimore, in Baltimore County, is a city of 52,229 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 Baltimore residents and property owners must navigate.

According to FEMA's National Risk Index, Baltimore carries an overall risk score of 6.5/10, placing it in the high category. Riverine flooding drives much of the local risk, with heavy or sustained rainfall capable of rapidly elevating streams and rivers that run through the area.

Within Maryland, Baltimore's risk is, near the 6.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Baltimore County identifies as the foremost hazard. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Baltimore residents benefit from taking preparedness seriously. Reviewing insurance coverage for and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Baltimore: top hazard preparedness

  • Keep critical utilities and valuables elevated above potential flood levels, and know your nearest higher-ground evacuation route.
  • Check whether your property sits in a FEMA-designated Special Flood Hazard Area β€” standard homeowners policies do not cover flood damage.
  • Consider National Flood Insurance Program (NFIP) coverage; there is typically a 30-day waiting period before it takes effect.

Local Factors for Baltimore

These city-level factors differentiate Baltimore from other communities in Baltimore County and provide geographic context for its hazard exposure.

Population

52,229

Urban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 39.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 0.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 0.0/10

Coordinates

39.3458Β° N, 76.6837Β° W

Baltimore 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 Baltimore

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Baltimore

Other cities in Maryland

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.