Natural Disaster Risk in Curtis Bay
Maryland
Risk Summary for Curtis Bay
Curtis Bay scores 6.5/10 (High risk), above the U.S. average of 4.5.
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: Curtis Bay, Maryland
Curtis Bay, in Baltimore County, is a town of roughly 6,674 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 Curtis Bay residents and property owners must navigate.
According to FEMA's National Risk Index, Curtis Bay 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, Curtis Bay'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, Curtis Bay 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 Curtis Bay: 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 — 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 Curtis Bay
These city-level factors differentiate Curtis Bay from other communities in Baltimore County and provide geographic context for its hazard exposure.
Population
6,674
Small TownGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 39.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 0.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 0.0/10
Coordinates
39.2078° N, 76.5627° 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 Curtis Bay
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Curtis Bay
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.