🌍 ClimateRiskCheck

Natural Disaster Risk in Hampstead

Maryland

6.5out of 10
High Risk

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

Strong Wind Winter Weather Hurricane

All 18 Hazard Scores

Strong Wind
9.5
Winter Weather
8.8
Hurricane
8.5
Avalanche
8.3
Lightning
8.1
Drought
7.8
Extreme Heat
7.8
Earthquake
7.2
Landslide
6.6
Hail
6.3
Tsunami
5.4
Volcanic Activity
5.1
Cold Wave
5.1
Coastal Flooding
4.9
Tornado
4.4
Ice Storm
4.2
Wildfire
2.5
Riverine Flooding
1.0

How it compares

Hampstead
6.5
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: 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

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: 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

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ZIP Codes in Hampstead

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.