🌍 ClimateRiskCheck

Natural Disaster Risk in Sunderland

Maryland

5.8out of 10
Moderate Risk

Risk Summary for Sunderland

Sunderland scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Extreme Heat

All 18 Hazard Scores

Coastal Flooding
9.4
Hurricane
8.8
Extreme Heat
7.3
Landslide
7.3
Drought
7.1
Lightning
6.5
Winter Weather
5.9
Wildfire
5.8
Earthquake
5.6
Strong Wind
5.5
Tsunami
5.4
Volcanic Activity
5.1
Ice Storm
5.0
Avalanche
4.5
Hail
3.7
Cold Wave
3.6
Tornado
2.8
Riverine Flooding
1.0

How it compares

Sunderland
5.8
Maryland avg.
6.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Sunderland, Maryland

Sunderland, in Calvert County, is a small community of about 1,809 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 Sunderland residents and property owners must navigate.

According to FEMA's National Risk Index, Sunderland carries an overall risk score of 5.8/10, placing it in the moderate category. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. The area also faces notable exposure to hurricane and heat.

Within Maryland, Sunderland's risk is, slightly below the 6.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Calvert County identifies coastal flood as the foremost hazard, followed by hurricane and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Sunderland residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.

What this means for Sunderland: Coastal Flooding preparedness

  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.

Local Factors for Sunderland

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

Population

1,809

Small Town

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 38.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.8/10

Coordinates

38.6696Β° N, 76.5859Β° W

Calvert 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 Sunderland

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Sunderland

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.