Natural Disaster Risk in Fairplay
Maryland
Risk Summary for Fairplay
Fairplay scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Fairplay, Maryland
Located along the mid-Atlantic coast in Washington County, Fairplay is a small community of about 1,275. The humid subtropical climate that characterizes this part of Maryland β marked by warm summers, mild winters, and coastal storm exposure β directly influences the types and severity of natural hazards present, making Fairplay a community where hazard awareness has real practical value.
FEMA rates Fairplay's composite natural disaster risk at 6.8 out of 10 β high risk. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the JuneβNovember season. Residents should also account for drought and avalanche risk in their preparedness planning.
Relative to other U.S. communities, Fairplay's natural disaster risk is well above the U.S. national average of 4.5/10, near the 6.5/10 state average. The hazard distribution here is led by hurricane and drought, as measured by FEMA across Washington County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Fairplay'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 Fairplay: Hurricane preparedness
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
Local Factors for Fairplay
These city-level factors differentiate Fairplay from other communities in Washington County and provide geographic context for its hazard exposure.
Population
1,275
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
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: 4.6/10
Coordinates
39.5500Β° N, 77.7584Β° W
Washington 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 Fairplay
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fairplay
Other cities in Maryland
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.