STATE RISK ROLL-UP

Maryland

Across 24 counties, FEMA rates 1 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low19

Moderate4

Elevated1

High0

Dominant hazards

The hazards most often rated elevated or higher across Maryland's counties:

Winter weather — 10 counties
Flooding — 7 counties
Extreme heat — 4 counties
Drought — 4 counties

Highest-risk counties

County	FEMA composite	Score
Baltimore County	Relatively High	95
Baltimore County	Relatively Moderate	94
Prince George's County	Relatively Moderate	93
Montgomery County	Relatively Moderate	92
Anne Arundel County	Relatively Moderate	82
Frederick County	Relatively Low	74

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-08