FEMA Records
18
Below median
Maryland · FEMA + NOAA + National Risk Index
St. Mary's County, MD
18 FEMA disaster declarations (1977-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Hurricane.
- 18
- FEMA declarations
- 12
- Major disasters
- 43
- NRI risk · Very Low
- Hurricane
- Top hazard
The verdict
St. Mary's County has a nationally busy FEMA history: 18 declarations, more than 37% of counties in this registry. But the state comparison tempers that reading: the total is 8% below the Maryland county mean. FEMA's separate National Risk Index places the county safer than 43%; that score models loss and vulnerability rather than counting declarations.
- Safer than 43%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 18
- FEMA declarations vs 21 national county avg
- 613
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 24037 · St. Mary's County 18 declarations · rank 1998/3,266
DECL-MID · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 18
- MAJOR-MID 67%
- RANK-LOWER #1,998
- PHOTO-FINISH Monroe
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Hurricane
- VS-ST-BELOW -8%
Nearest declaration peer: Monroe, TN (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Maryland state profile
St. Mary's County in the declaration-count neighbourhood
FEMA declaration records among St. Mary's County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Brooke · near 18
Brooke · near
18 declarations
- Mecklenburg · near 18
Mecklenburg · near
18 declarations
- Monroe · near 18
Monroe · near
18 declarations
- St. Mary's · this county 18
St. Mary's · this county
18 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows St. Mary's County carries 18 FEMA declaration records, ranked 1998 of 3,266 counties in this registry.
How St. Mary's County's FEMA declaration count compares nationally
St. Mary's County vs. all counties in this dataset
FEMA disaster declarations, all-time · St. Mary's County
18 37th percentile higher than 37% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
St. Mary's County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for St. Mary's County is led by Riverine Flooding (about $7.2M Expected Annual Loss, Historical Loss Ratio Relatively Low), while Hurricane carries the highest National Risk Index rating (Relatively Moderate). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does St. Mary's County's hazard record show?
Reading the federal records together
FEMA's NFIP table contains a substantial paid-claim history for this county: 613 claims and $11.2M in payments. PlainHazard labels 500 or more claims a heavy registry record; that is a reporting bucket, not an official FEMA risk grade. The average paid claim was $18.3K. NFIP totals exclude uninsured flood losses and do not measure how many properties currently carry a policy.
Start with the state benchmark: a Maryland county averages 19.6 federal declaration records, while St. Mary's County has 18. The gap is 8% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 42.6/100 for this county (Very Low rating). Expected Annual Loss comes in at Relatively Low (roughly $22.5M in annualized losses). Social vulnerability (Very Low) and community resilience (Very High) both factor into how that raw exposure plays out on the ground. Among the 18 modeled hazards, Hurricane carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at roughly once every 8 years here, based on 56 historical events on record.
54 /100
Historical Activity Index
High historical activity
St. Mary's County, MD · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Moderate
13/30
18 OpenFEMA declarations, full ingest window (0.9x national county average)
County Disaster Density Moderate
11/25
18 declarations (0.9x state county average of 20)
Major Disaster Share High
17/25
12 of 18 declarations are major disasters (67%)
Hazard Diversity High
13/20
5 different disaster types declared in St. Mary's County
FEMA NRI 8-hazard radar - St. Mary's County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
67%
Major-heavy
NRI risk score
43
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike St. Mary's County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Hurricane | Relatively Moderate | roughly once every 8 years |
| Drought | Relatively Moderate | 3.6 modeled event-days per year |
| Heat Wave | Relatively Low | 6.3 modeled event-days per year |
| Strong Wind | Relatively Moderate | an average of 4.7 times per year |
| Coastal Flooding | Relatively Moderate | an average of 3.6 times per year |
| Wildfire | Very Low | roughly once every 1,432 years |
| Winter Weather | Relatively Low | an average of 6.5 times per year |
| Earthquake | Very Low | roughly once every 745 years |
| Lightning | Relatively Low | an average of 38 times per year |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Landslide | Very Low | roughly once every 11 years |
| Tornado | Relatively Low | roughly once every 2 years |
| Riverine Flooding | Relatively Low | an average of 2.6 times per year |
| Hail | Relatively Low | an average of 2.6 times per year |
| Cold Wave | Relatively Low | an average of 1.1 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Hurricane 8
Snowstorm 5
Biological 2
Severe Storm 2
Winter Storm 1
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on St. Mary's County's federal record, 44% of its declarations. Atlantic tropical systems run on a defined season, 1 June to 30 November, with most activity concentrated between August and October; Pacific and territorial basins run on their own calendars. A single named storm routinely produces one declaration number covering a long corridor of counties at once, well inland as well as on the coast, which is why an affected county's count can jump by several in one year without several separate events having occurred.
One practical distinction matters when reading these records: a tropical declaration usually bundles wind, storm surge and inland rainfall flooding under a single incident, but the insurance behind them is split. Wind damage falls to property insurers, while flood and surge damage is covered only under a separate National Flood Insurance Program policy. That is why a county can show heavy declaration activity and a comparatively small NFIP claims record, or the reverse.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 12 66.7%
of all 18 declarations
Emergency - 6 33.3%
of all 18 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2021 | 1 | |
| 2020 | 2 | |
| 2013 | 2 | |
| 2012 | 1 | |
| 2011 | 2 | |
| 2010 | 1 | |
| 2005 | 1 | |
| 2003 | 1 | |
| 2000 | 1 | |
| 1999 | 1 | |
| 1996 | 1 | |
| 1994 | 1 | |
| 1993 | 1 | |
| 1977 | 1 | |
Disaster Declarations
How the 18 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 18 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3634 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4583 | TROPICAL STORM ISAIAS | DR | Hurricane | 2021-02-04 |
| 4491 | COVID-19 PANDEMIC | DR | Biological | 2020-03-26 |
| 3430 | COVID-19 | EM | Biological | 2020-03-13 |
| 4091 | HURRICANE SANDY | DR | Hurricane | 2012-11-20 |
| 3349 | HURRICANE SANDY | EM | Hurricane | 2012-10-28 |
| 4075 | SEVERE STORMS AND STRAIGHT-LINE WINDS | DR | Severe Storm | 2012-08-02 |
| 4034 | HURRICANE IRENE | DR | Hurricane | 2011-09-16 |
| 3335 | HURRICANE IRENE | EM | Hurricane | 2011-08-27 |
| 1910 | SEVERE WINTER STORMS AND SNOWSTORMS | DR | Snowstorm | 2010-05-06 |
| 3251 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-13 |
| 1492 | HURRICANE ISABEL | DR | Hurricane | 2003-09-19 |
| 1324 | SEVERE WINTER STORM | DR | Severe Storm | 2000-04-10 |
| 1303 | HURRICANE FLOYD MAJOR DISASTER DECLARATIONS | DR | Hurricane | 1999-09-24 |
| 1081 | BLIZZARD OF 96 (SEVERE SNOW STORM) | DR | Snowstorm | 1996-01-11 |
| 1016 | SEVERE WINTER WEATHER AND ICE STORMS | DR | Snowstorm | 1994-03-16 |
| 3100 | SEVERE SNOWFALL & WINTER STORM | EM | Snowstorm | 1993-03-16 |
| 524 | ICE CONDITIONS | DR | Snowstorm | 1977-01-26 |
Storm Events in Maryland
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to St. Mary's County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 3,959 | 6 | 43 | $102.0M |
| Winter Weather | 1,341 | 4 | 26 | $95.0K |
| Flood | 1,089 | 1 | 0 | $1.4M |
| Flash Flood | 790 | 9 | 4 | $96.3M |
| Dense Fog | 513 | 0 | 0 | $0 |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
613
Total Paid
$11.2M
Avg Per Claim
$18.3K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 42.6/100
Expected Annual Loss
Relatively Low
$22.5M/year
Social Vulnerability
Very Low
Community Resilience
Very High
Hazard Risk Breakdown
Hurricane Relatively Moderate
Drought Relatively Moderate
Heat Wave Relatively Low
Strong Wind Relatively Moderate
Coastal Flooding Relatively Moderate
Wildfire Very Low
Winter Weather Relatively Low
Earthquake Very Low
Lightning Relatively Low
Ice Storm Relatively Low
Landslide Very Low
Tornado Relatively Low
Riverine Flooding Relatively Low
Hail Relatively Low
Cold Wave Relatively Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Hurricane
Hurricane exposure in the model bundles the three ways a tropical system does harm, which arrive on different timescales and are insured differently: wind, storm surge on the coast, and rainfall flooding that can reach far inland well after landfall.
For St. Mary's County the two measures on this page point the same way: Hurricane is the county's highest-rated modeled hazard (Relatively Moderate), and Hurricane declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
St. Mary's County's closest FEMA peer: Schuyler County, MO
Comparisons use published FEMA declaration fields plus the National Risk Index composite for St. Mary's County. Record similarity, not a safety rating.
Closest declaration profiles
St. Mary's County shows 18 FEMA declarations, led by Hurricane.
Similar Major-disaster share
St. Mary's County: 12 of 18 of its declarations are Major.
Similar modeled NRI score
St. Mary's County: NRI composite 42.6 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for St. Mary's County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for St. Mary's County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 42.6 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 18. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
St. Mary's County's NFIP claims file (613 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in St. Mary's County?
The most common disaster type in St. Mary's County is Hurricane, with 8 declarations. Other disaster types include Snowstorm (5), Biological (2), Severe Storm (2).
How does St. Mary's County's FEMA declaration record compare with the Maryland average?
The typical Maryland county has 19.6 FEMA declaration records; St. Mary's County has 18, or 8% fewer. Against the national county mean of 20.7, this county's total is 13% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has St. Mary's County received?
St. Mary's County has received 12 major disaster declarations, representing 67% of all 18 disaster declarations.
How many flood insurance claims has St. Mary's County filed?
St. Mary's County has 613 National Flood Insurance Program (NFIP) claims totaling $11.2M in payments, with an average of $18.3K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in St. Mary's County?
No. In St. Mary's County, Hurricane has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $7.2M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in St. Mary's County?
The most active year for disaster declarations in St. Mary's County was 2011, with 2 declarations. The county has FEMA disaster data spanning 1977 to 2026.
What is the FEMA National Risk Index score for St. Mary's County?
According to the FEMA National Risk Index, St. Mary's County, Maryland has an overall risk score of 42.6 out of 100 (Very Low). On social vulnerability the county rates Very Low; on community resilience, Very High. The Expected Annual Loss (EAL) score is Relatively Low, representing $22.5M in annualized losses.
Which natural hazard poses the greatest risk to St. Mary's County?
FEMA's NRI data points to St. Mary's County as of the latest release is Hurricane (risk rating: Relatively Moderate). Other significant hazards include Drought (Relatively Moderate) and Heat Wave (Relatively Low). FEMA's modeled event frequency puts hurricane here at roughly once every 8 years, drawn from 56 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for St. Mary's County · vintage 2026-08-25 · Methodology · Maryland profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events