Natural Disaster Risk in Chaptico
Maryland
Risk Summary for Chaptico
Chaptico scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Chaptico, Maryland
Located along the mid-Atlantic coast in St. Mary's County, Chaptico is a small community of about 958. The humid subtropical climate that characterizes this part of Maryland — marked by warm summers, mild winters, and coastal storm exposure — directly influences the types and severity of natural hazards present, making Chaptico a community where hazard awareness has real practical value.
Chaptico's overall natural disaster risk is rated 6.2/10 (High) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include hurricane and drought.
Relative to other U.S. communities, Chaptico's natural disaster risk is above the U.S. national average of 4.5/10, near the 6.5/10 state average. The hazard distribution here is led by coastal flood and hurricane, as measured by FEMA across St. Mary's County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Chaptico residents benefit from taking preparedness seriously. Reviewing insurance coverage for coastal flood 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 Chaptico: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Local Factors for Chaptico
These city-level factors differentiate Chaptico from other communities in St. Mary's County and provide geographic context for its hazard exposure.
Population
958
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 38.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 6.4/10
Coordinates
38.3306° N, 76.7944° W
St. Mary's 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 Chaptico
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Chaptico
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.