Natural Disaster Risk in Hampstead
Maryland
Risk Summary for Hampstead
Hampstead scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
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: Hampstead, Maryland
Hampstead, in Carroll County, is a city of approximately 14,777 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 Hampstead residents and property owners must navigate.
According to FEMA's National Risk Index, Hampstead carries an overall risk score of 6.5/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to winter and hurricane.
Within Maryland, Hampstead'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 Carroll County identifies wind as the foremost hazard, followed by winter and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Hampstead residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind 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 Hampstead: Strong Wind preparedness
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
- Secure or store outdoor furniture and loose objects that can become projectiles.
Local Factors for Hampstead
These city-level factors differentiate Hampstead from other communities in Carroll County and provide geographic context for its hazard exposure.
Population
14,777
SuburbanGeographic 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: 2.5/10
Coordinates
39.6175Β° N, 76.8435Β° W
Carroll 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 Hampstead
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Hampstead
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.