🌍 ClimateRiskCheck

Natural Disaster Risk in Hagerstown

Maryland

6.8out of 10
High Risk

Risk Summary for Hagerstown

Hagerstown scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Drought Avalanche

All 18 Hazard Scores

Hurricane
9.0
Drought
8.8
Avalanche
8.7
Winter Weather
8.4
Extreme Heat
8.2
Landslide
8.2
Earthquake
7.9
Lightning
7.4
Strong Wind
7.2
Hail
7.1
Tornado
6.7
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.6
Ice Storm
4.2
Cold Wave
4.1
Riverine Flooding
1.0

How it compares

Hagerstown
6.8
Maryland avg.
6.5
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: Hagerstown, Maryland

Hagerstown is a city of 64,792 residents in Washington 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 Hagerstown.

According to FEMA's National Risk Index, Hagerstown carries an overall risk score of 6.8/10, placing it in the high category. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. The area also faces notable exposure to drought and avalanche.

Hagerstown's risk score, near the 6.5/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Washington County, the highest-scoring are hurricane, drought, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Hagerstown'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 Hagerstown: Hurricane preparedness

  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • 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.

Local Factors for Hagerstown

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

Population

64,792

Urban

Geographic 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

39.6323Β° N, 77.7390Β° 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 Hagerstown

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Hagerstown

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.