Natural Disaster Risk in Point Of Rocks
Maryland
Risk Summary for Point Of Rocks
Point Of Rocks scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Point Of Rocks, Maryland
Point Of Rocks, in Frederick County, is a small community of about 2,462 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 Point Of Rocks residents and property owners must navigate.
Point Of Rocks's overall natural disaster risk is rated 7.0/10 (High) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include heat and hurricane.
Within Maryland, Point Of Rocks's risk is, slightly above the 6.5/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Frederick County identifies winter as the foremost hazard, followed by heat 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, Point Of Rocks residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter 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 Point Of Rocks: Winter Weather preparedness
- Clear roof snow loads when heavy to prevent structural strain and ice dams.
- Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
- Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.
Local Factors for Point Of Rocks
These city-level factors differentiate Point Of Rocks from other communities in Frederick County and provide geographic context for its hazard exposure.
Population
2,462
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.7/10
Coordinates
39.2792° N, 77.5287° W
Frederick 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 Point Of Rocks
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Point Of Rocks
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.