Natural Disaster Risk — ZIP Code 21131

Natural Hazard Profile: ZIP 21131, Maryland

ZIP 21131 in Phoenix 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 21131 carries an overall risk score of 8.3/10, placing it in the very high category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to heat and lightning.

Within Maryland, ZIP 21131'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 winter as the foremost hazard, followed by heat and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Given ZIP 21131'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.