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Maryland

The Bay funnels everything uphill.

Chesapeake Bay's funnel shape amplifies storm surge into Baltimore and Annapolis. Ellicott City has flash-flooded twice in three years. The DC suburbs get paralyzed by ice. And sea-level rise is turning routine high tides into flooding events across the Eastern Shore.

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Know your region

What you prepare for depends on where in Maryland you live.

Chesapeake Bay and Eastern Shore

Annapolis, Easton, Salisbury, Ocean City. Tidal flooding in Annapolis is increasing year over year. The Bay's funnel shape amplifies hurricane storm surge. Ocean City faces nor'easter erosion and hurricane risk. The Eastern Shore is flat and flood-prone.

Primary hazards: storm surge, tidal flooding, hurricanes, nor'easters

Baltimore metro and I-95 corridor

Baltimore, Columbia, Ellicott City, Towson. The 2016 Ellicott City flash flood destroyed the historic downtown. Hurricane Isabel (2003) pushed record surge into the Inner Harbor. Urban flooding from heavy rain overwhelms aging infrastructure.

Primary hazards: flash flooding, hurricanes, severe storms, heat

Western Maryland

Hagerstown, Cumberland, Garrett County, the Appalachian ridges. Heavy snow accumulates in the mountains. Ice storms knock out power to rural communities. Flash flooding in narrow mountain valleys is a persistent threat.

Primary hazards: winter storms, flash flooding, severe storms

Your hazard profile

5 hazards that apply to Maryland.

Each links to a full guide with during-event protocol, recovery steps, and resources specific to MD.

Maryland resources

The agencies and programs that cover your state.

Ellicott City, twice

The same street flooded two years apart.

On July 30, 2016, over 6 inches of rain fell on Ellicott City in two hours. The Tiber and Hudson tributaries channeled the water straight through Main Street. Cars floated. Buildings collapsed. Two people died. The historic downtown was devastated.

On May 27, 2018, it happened again. Another flash flood, another catastrophe, same street. This time, one person died. The flood damage was, in some ways, worse because the 2016 recovery was not yet finished.

Ellicott City sits in a bowl where several steep stream valleys converge. The geography makes flash flooding not a question of if but when. The lesson for Maryland is that flash flood risk is topographic. If you live where water collects during heavy rain, the risk is permanent. Knowing your terrain is the first step. Having a plan to move to high ground within minutes is the second.

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