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Risk: Very Low

Calvert County, MD Environment & Hazard Risk

Very Low natural hazard risk, led by hurricane. 744 storm events since 1996.

Expected yearly loss
$16M
Relatively Low nationally
Storm events since 1996
744
Most often thunderstorm wind
Flood insurance policies
699
2.0% of homes
Hurricanes nearby
0
7 tropical storms or stronger since 1899

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 28.9 of 100

Social vulnerability

Very Low

Score 10.6 of 100

Community resilience

Very High

Score 93.8 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $17.6B · Agriculture value exposed: $8.1M · Risk-adjusted yearly loss: $9.9M

Risk by hazard

  • HurricaneRelatively Moderate$4M/yr expected annual loss, about once every 9 years
  • LandslideRelatively Low$9,277/yr expected annual loss, about once every 7 years
  • Heat waveRelatively Low$1.5M/yr expected annual loss, about 6.4 events a year
  • DroughtRelatively Moderate$725K/yr expected annual loss, about 3.6 events a year
  • LightningRelatively Moderate$559K/yr expected annual loss, about 39 events a year
  • Coastal floodingRelatively Low$754K/yr expected annual loss, about 3.6 events a year
  • Winter weatherRelatively Low$121K/yr expected annual loss, about 6.8 events a year
  • WildfireVery Low$91.4K/yr expected annual loss, about once every 1,341 years
  • EarthquakeVery Low$467K/yr expected annual loss, about once every 917 years
  • Strong windRelatively Low$894K/yr expected annual loss, about 5.6 events a year
  • Ice stormRelatively Low$87.6K/yr expected annual loss, about once every 3 years
  • HailVery Low$183K/yr expected annual loss, about 2.8 events a year
  • Cold waveRelatively Low$603K/yr expected annual loss, about 1.1 events a year
  • TornadoVery Low$315K/yr expected annual loss, about once every 5 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
699 of 35,014 (2.0%)
Homes in high-risk flood zones
560
Insured in high-risk zones
354 (63%)
Flood claims since 1978
559
Claims paid since 1978
$9.6M

Flood claims paid per year

Flood claims paid per year in Calvert County
Beta
  • Hurricane Isabel$7M · 232 claims
  • Hurricane Fran$290K · 47 claims
  • Hurricane Isaias$262K · 8 claims
  • Flooding$71.3K · 9 claims
  • Hurricane Floyd$68.4K · 14 claims
  • Hurricane Irene$33.2K · 10 claims

Storm history

Since 1996: 744 events, 5 deaths, $33.7M in damage

  • Thunderstorm Wind281
  • Winter Weather66 · 1 death
  • Heat60 · 1 death
  • Hail46
  • Dense Fog45
  • Winter Storm28
  • Flood28
  • Flash Flood23
  • Frost/Freeze21
  • High Wind17
Beta

Events per year

Storm events per year in Calvert County
18
37
15
23
55
34
19
25
30
28
25
40
38
37
21
28
5
13
26
26
Beta

19 tornadoes on record (EF0 6, EF1 1, F0 4, F1 5, F2 3).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Blizzard01/07/1996

    Calvert

    150 injured, $10K damage

    What happened

    An historic winter storm, known as the "Blizzard of '96", crippled all of Maryland west of the Chesapeake Bay during the first full weekend of January. In general, snow totals were as follows: 20 inches in lower southern Maryland (MDZ016>018), 20 to 26 inches in central Maryland (MDZ009>011, 013), and 26 to 36 inches to over the northern tier (MDZ002>007). To complicate matters, winds gusting in excess of 35 mph produced drifts of 4 to 7 feet, except over 10 feet in the mountains. The storm produced the larges statewide storm totals since the "Megalopolitan Storm" of February 11th, 1983. Numerous 24-hour accumulation records were shattered at airports from southwest Virginia through New England; Baltimore/Washington International (BWI; MDZ011) nearly equalled its record of 22.8 inches in 24 hours (22.5 inches fell), set in 1983.The storm was induced by a digging upper level trough over the eastern Great Plains. At the surface, an inverted trough extended from the Gulf of Mexico through the Deep South. Surface pressures began falling as the upper trough approached on the afternoon of the 7th. Meanwhile, confluent flow, behind an upper-level arctic vortex over the Canadian...

  • TornadoF2, 14 mi path, 200 yd wide04/29/2002

    Bowens, Calvert County

    2 deaths, $10M damage

    What happened

    A strong tornado crossed the Patuxent River from Charles County and moved east through central Calvert County. It tracked between Patuxent View and Western Shore Estates before moving onto the Chesapeake Bay.

  • Tropical Storm09/18/2003

    Calvert

    $12.5M damage

    What happened

    On September 18, 2003, Hurricane Isabel made landfall on the North Carolina Coast. Its huge wind field was already piling water up into the southern Chesapeake Bay. By the time Isabel moved into central Virginia, it had weakened and was downgraded to a tropical storm. Isabel's eye tracked well west of the bay, but the storm's 40 to 50 mph sustained winds pushed a bulge of water northward up the bay and its tributaries producing a record storm surge. The Maryland western shore counties of the Chesapeake Bay and along the tidal tributaries of the Potomac, Patuxent, Patapsco and other smaller rivers experience a storm surge reached 5 to 9 feet above normal tides. In many locations, Isabel's surge was higher than the previous record storm known as the Chesapeake-Potomac Hurricane of 1933. For coastal properties below 10 feet MSL exposed to wave action, much damage was wrought. Over 2000 people were evacuated from their homes. Maryland saw 472 homes and buildings destroyed, 3260 with major damage and over 3600 more affected. Extensive damage occurred to Maryland's shoreline which rarely sees storms of this intensity. The Chesapeake Bay Foundation estimates that 43,000 tons of silt...

  • Winter Weather12/05/2003

    Calvert

    1 death

    What happened

    The first in a pair of low pressure systems tracked across the region on the 4th and 5th. This system brought light snowto portions of Lower Southern Maryland. Snow totals averaged 1 to 2 inches. Three fatalities were reported, two from shoveling snow and one from an automobile accident. Other minor, non life threatening injuries were also reported by the Emergency and Law Enforcement Officers.

  • Heat07/18/2006

    Calvert

    1 death

    What happened

    A hot and very humid airmass seeped into the Mid Atlantic on July 17 and July 18. The heat index value climbed to around 105 degrees both afternoons. Emergency response officials reported sporadic incidents of heat-related illness, such as shortness of breath and heat exhaustion, around the Washington/Baltimore Metropolitan region. Three deaths were attributed directly to this heat wave. The deaths occurred in the Maryland suburbs of Washington DC in the counties of Prince Georges, Calvert, and Carroll. Two additional deaths, also in the Maryland suburbs, were indirectly attributed to this heat wave, since they were related to pre-existing health conditions.

  • Lightning07/04/2000

    Solomons, Calvert County

    1 death

    What happened

    A 37 year old man was killed by lightning while he was fixing a leak on the roof of a camper.

Drinking water

30 community water systems serve about 36,050 people. Violations since 2021.

5 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 1 toxic release facility in Calvert County

Superfund sites

None in this county.

Toxic release facilities

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk8 historic places

Frequently asked questions

How risky is Calvert County for natural disasters?
FEMA rates Calvert County very low for overall natural hazard risk, with expected losses of $16M a year. The highest-rated hazards are hurricane (relatively moderate), landslide (relatively low), heat wave (relatively low).
What storms are most common in Calvert County?
Since 1996, NOAA recorded 744 storm events affecting Calvert County, most often thunderstorm wind (281), winter weather (66), heat (60).
How many tornadoes have hit Calvert County?
19 tornadoes have been recorded in Calvert County since 1950.
How many homes in Calvert County have flood insurance?
699 residential flood insurance policies are in force in Calvert County, covering about 2.0% of homes. The program has paid $9.6M on 559 claims here since 1978.
What is the weather like in Calvert County?
At Mechanicsville 5 NE, average highs reach 85°F in Jul and lows fall to 25°F in Jan, with 48.1 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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