🌍 ClimateRiskCheck

Natural Disaster Risk in Elkton

Maryland

6.7out of 10
High Risk

Risk Summary for Elkton

Elkton scores 6.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Drought Winter Weather

All 18 Hazard Scores

Drought
9.4
Coastal Flooding
9.4
Winter Weather
8.9
Strong Wind
8.7
Hurricane
8.6
Extreme Heat
8.1
Earthquake
7.4
Ice Storm
7.2
Lightning
6.6
Landslide
6.3
Cold Wave
5.9
Tornado
5.5
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Hail
4.1
Wildfire
3.5
Riverine Flooding
1.0

How it compares

Elkton
6.7
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: Elkton, Maryland

Elkton, in Cecil County, is a city of approximately 45,527 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 Elkton residents and property owners must navigate.

Elkton's overall natural disaster risk is rated 6.7/10 (High) by FEMA's National Risk Index. 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. Secondary hazards include drought and winter.

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

With a high natural disaster risk rating, Elkton 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 Elkton: Coastal Flooding preparedness

  • 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.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for Elkton

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

Population

45,527

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 39.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.5/10

Coordinates

39.6257Β° N, 75.8590Β° W

Cecil 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 Elkton

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Elkton

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.