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Maryland · Risk Readiness
Before the emergency — maps, tools, and the honest picture of what Maryland throws at different parts of the state.
See MD hazardsMD hazard profile
Maryland floods in more ways than almost any other state. Chesapeake Bay surge from hurricanes and nor'easters. Flash flooding in urban stream valleys — Ellicott City flooded to 6-foot depths in 2016 and again in 2018. Tidal flooding in Annapolis, Cambridge, and Crisfield is now routine — 'sunny day flooding' from king tides happens without any storm. Maryland's Chesapeake Bay funnel amplifies storm surge from both directions. Hurricane Isabel (2003) pushed 8-foot surge into Annapolis. Nor'easters — winter coastal storms — bring heavy snow, ice, and surge to the Eastern Shore and Bay shores from October through April. Sandy (2012) hit Maryland hard despite making landfall in New Jersey. Maryland averages 5 tornadoes per year — modest by national standards but concentrated in a small, densely populated state. The suburbs of Washington and Baltimore have seen significant tornado events. Spring and fall are the peak seasons.
Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Direct landfalls and tropical moisture bring catastrophic wind, surge, and inland flooding.
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Occur across most of the state, often embedded in severe thunderstorm lines and tropical systems.
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Ice accumulation causes prolonged power outages and road closures across the state.
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Extreme heat events endanger vulnerable residents and stress power infrastructure.
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Official tools
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Weekly drought conditions by county.
Source: US Drought Monitor
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
Standard homeowner's policies in Maryland exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
During an emergency
NC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Step-by-step actions based on the hazards that apply to Maryland.
MD Checklists