Calvert County, Maryland: hazard risk
FEMA rates Calvert County's overall risk Very Low (score 28.9 of 100, higher than 28% of rated U.S. counties). Its storm record holds 774 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 |
|---|---|---|---|
| Hurricane | Relatively Moderate | 81.7 | $4.0M |
| Drought | Relatively Moderate | 67.0 | $725K |
| Lightning | Relatively Moderate | 59.7 | $559K |
| Landslide | Relatively Low | 69.2 | $9K |
| Heat Wave | Relatively Low | 68.5 | $1.5M |
| Coastal Flooding | Relatively Low | 59.4 | $754K |
| Winter Weather | Relatively Low | 53.2 | $121K |
| Strong Wind | Relatively Low | 48.6 | $894K |
| Ice Storm | Relatively Low | 39.6 | $88K |
| Cold Wave | Relatively Low | 26.6 | $603K |
| Wildfire | Very Low | 52.6 | $91K |
| Earthquake | Very Low | 50.1 | $467K |
| Riverine Flooding | Very Low | 28.9 | $5.7M |
| Hail | Very Low | 27.8 | $183K |
| Tornado | Very Low | 17.3 | $315K |
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. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 307 | 0 | $2.8M | 1st of 23 | 26th of 3,080 |
| Winter storms | 108 | 1 | $19K | 6th of 23 | 108th of 3,077 |
| Heat | 72 | 1 | – | 1st of 23 | 20th of 3,076 |
| Floods | 63 | 0 | $1.3M | 10th of 23 | 209th of 3,080 |
| Hail | 49 | 0 | $112K | 7th of 23 | 1024th of 3,080 |
| Extreme cold | 33 | 0 | $5K | 3rd of 23 | 74th of 3,076 |
| High wind and dust storms | 32 | 0 | $1.9M | 7th of 23 | 197th of 3,080 |
| Tornadoes | 19 | 2 | $20M | 1st of 23 | 110th of 3,080 |
| Heavy rain | 15 | 0 | – | 10th of 23 | 113th of 3,080 |
| Drought | 12 | 0 | $3.0M | 6th of 23 | 828th of 3,063 |
| Lightning | 10 | 1 | $425K | 6th of 23 | 134th of 3,080 |
| Hurricanes and tropical storms | 8 | 0 | $25M | 1st of 23 | 205th of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Calvert County record: every hazard by year and month, the deadliest events and FEMA's declarations.