Natural Disaster Risk in Cobb Island
Maryland
Risk Summary for Cobb Island
Cobb Island 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: Cobb Island, Maryland
Cobb Island is a small community of about 849 in Charles County, along the mid-Atlantic coast. The area experiences warm summers, mild winters, and coastal storm exposure, with tropical storm and nor'easter impacts shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Cobb Island.
FEMA rates Cobb Island's composite natural disaster risk at 6.2 out of 10 — high risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for hurricane and heat risk in their preparedness planning.
Cobb Island's risk score, near the 6.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Charles County, the highest-scoring are coastal flood, hurricane, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Cobb Island's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Cobb Island: Coastal Flooding preparedness
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- 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.
Local Factors for Cobb Island
These city-level factors differentiate Cobb Island from other communities in Charles County and provide geographic context for its hazard exposure.
Population
849
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
Lower — moist climate limits wildfire frequency
Fire score: 2.9/10
Coordinates
38.2621° N, 76.8488° W
Charles 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 Cobb Island
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Cobb Island
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.