Natural Disaster Risk — ZIP Code 21206
Baltimore, Maryland
Risk Summary for ZIP 21206
ZIP 21206 scores 6.5/10 (High risk), above the U.S. average of 4.5.
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: ZIP 21206, Maryland
ZIP 21206 in Baltimore 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 21206 carries an overall risk score of 6.5/10, placing it in the high category. Riverine flooding drives much of the local risk, with heavy or sustained rainfall capable of rapidly elevating streams and rivers that run through the area.
Within Maryland, ZIP 21206'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 Maryland identifies as the foremost hazard. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
ZIP 21206's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 21206: top hazard preparedness
- Keep critical utilities and valuables elevated above potential flood levels, and know your nearest higher-ground evacuation route.
- Check whether your property sits in a FEMA-designated Special Flood Hazard Area — standard homeowners policies do not cover flood damage.
- Consider National Flood Insurance Program (NFIP) coverage; there is typically a 30-day waiting period before it takes effect.
Risk for the surrounding area
Local Factors for ZIP 21206
These city-level factors differentiate ZIP 21206 from other communities in Maryland County and provide geographic context for its hazard exposure.
Population
48,902
SuburbanGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 39.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 0.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 0.0/10
Coordinates
39.3393° N, 76.5371° 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 21206
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.