🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 20747

District Heights, Maryland

8.3out of 10
Very High Risk

Risk Summary for ZIP 20747

ZIP 20747 scores 8.3/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Winter Weather Extreme Heat

All 18 Hazard Scores

Winter Weather
9.9
Lightning
9.9
Extreme Heat
9.8
Tornado
9.6
Strong Wind
9.6
Hurricane
9.5
Earthquake
9.4
Coastal Flooding
9.3
Hail
9.2
Landslide
9.2
Drought
8.6
Ice Storm
8.4
Cold Wave
8.1
Tsunami
5.4
Volcanic Activity
5.1
Wildfire
5.0
Avalanche
4.5
Riverine Flooding
1.0

How it compares

ZIP 20747
8.3
Maryland avg.
6.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

High-risk area β€” review your coverage carefully

Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.

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

Natural Hazard Profile: ZIP 20747, Maryland

ZIP 20747 in District Heights sits along the mid-Atlantic coast. Its humid subtropical climate produces warm summers, mild winters, and coastal storm exposure, and notably tropical storm and nor'easter impacts. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 20747 carries an overall risk score of 8.3/10, placing it in the very high category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to winter and heat.

Within Maryland, ZIP 20747's risk is, considerably 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 Maryland identifies lightning as the foremost hazard, followed by winter and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Given ZIP 20747's very high risk classification, residents should treat disaster preparedness as a year-round priority. This means maintaining updated homeowners and flood insurance, building a 72-hour emergency kit, knowing the evacuation routes for the primary hazards, and signing up for local emergency alert systems.

What this means for ZIP 20747: Lightning preparedness

  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.

Risk for the surrounding area

Local Factors for ZIP 20747

These city-level factors differentiate ZIP 20747 from other communities in Maryland County and provide geographic context for its hazard exposure.

Population

38,301

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 38.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.0/10

Coordinates

38.8535Β° N, 76.8838Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 20747

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Maryland

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.