Baltimore (city), Maryland: hazard risk
FEMA rates Baltimore (city)'s overall risk Relatively High (score 95.0 of 100, higher than 94% of rated U.S. counties); 7 of its 15 hazards are rated Relatively High or Very High, led by winter weather, heat wave, cold wave. Its storm record holds 998 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Very High | 97.8 | $944K |
| Heat Wave | Relatively High | 99.4 | $38M |
| Cold Wave | Relatively High | 96.9 | $12M |
| Strong Wind | Relatively High | 96.2 | $2.7M |
| Tornado | Relatively High | 95.4 | $10M |
| Riverine Flooding | Relatively High | 94.3 | $52M |
| Lightning | Relatively High | 92.1 | $1.1M |
| Earthquake | Relatively Moderate | 93.0 | $6.9M |
| Hurricane | Relatively Moderate | 92.3 | $9.7M |
| Hail | Relatively Moderate | 88.2 | $1.2M |
| Ice Storm | Relatively Moderate | 76.5 | $248K |
| Coastal Flooding | Relatively Moderate | 64.0 | $559K |
| Landslide | Very Low | 35.6 | $371 |
| Wildfire | Very Low | 24.0 | $8K |
| Drought | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Winter storms | 325 | 4 | $2.7M | ||
| Severe thunderstorm wind | 150 | 0 | $1.6M | ||
| Heat | 120 | 85 | – | ||
| Floods | 95 | 4 | $6.7M | ||
| High wind and dust storms | 82 | 1 | $14M | ||
| Extreme cold | 59 | 0 | $55K | ||
| Hail | 24 | 0 | $9K | ||
| Drought | 19 | 0 | $7.7M | ||
| Heavy rain | 19 | 1 | – | ||
| Hurricanes and tropical storms | 7 | 1 | $654M | ||
| Tornadoes | 7 | 2 | $2.9M | ||
| Lightning | 4 | 2 | $56K |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Baltimore (city) record: every hazard by year and month, the deadliest events and FEMA's declarations.