Natural Disaster Risk — ZIP Code 21216
Baltimore, Maryland
Risk Summary for ZIP 21216
ZIP 21216 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 21216, Maryland
ZIP 21216 covers part of the Baltimore area, along the mid-Atlantic coast. The surrounding region experiences warm summers, mild winters, and coastal storm exposure, with tropical storm and nor'easter impacts shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 21216's composite natural disaster risk at 6.5 out of 10 — high risk. The threat of riverine flooding is the primary driver of natural hazard risk here, with low-lying areas near waterways facing recurring inundation during major rain events. in their preparedness planning.
ZIP 21216's risk score, near the 6.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are . These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, ZIP 21216 residents benefit from taking preparedness seriously. Reviewing insurance coverage for 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 ZIP 21216: top hazard preparedness
- 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.
- Keep critical utilities and valuables elevated above potential flood levels, and know your nearest higher-ground evacuation route.
Risk for the surrounding area
Local Factors for ZIP 21216
These city-level factors differentiate ZIP 21216 from other communities in Maryland County and provide geographic context for its hazard exposure.
Population
29,426
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
39.3108° N, 76.6714° 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 21216
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.