Somerset County, Maryland: hazard risk
FEMA rates Somerset County's overall risk Relatively Low (score 59.6 of 100, higher than 59% of rated U.S. counties); 1 of its 15 hazards are rated Relatively High or Very High, led by coastal flooding. Its storm record holds 293 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 |
|---|---|---|---|
| Coastal Flooding | Relatively High | 93.2 | $7.0M |
| Hurricane | Relatively Moderate | 88.8 | $4.9M |
| Drought | Relatively Moderate | 66.5 | $337K |
| Wildfire | Relatively Low | 85.8 | $602K |
| Cold Wave | Relatively Low | 53.4 | $867K |
| Ice Storm | Relatively Low | 46.4 | $58K |
| Winter Weather | Relatively Low | 38.5 | $35K |
| Strong Wind | Relatively Low | 35.9 | $289K |
| Earthquake | Very Low | 38.3 | $111K |
| Heat Wave | Very Low | 37.5 | $165K |
| Riverine Flooding | Very Low | 24.3 | $2.3M |
| Hail | Very Low | 22.8 | $67K |
| Lightning | Very Low | 22.7 | $63K |
| Tornado | Very Low | 16.9 | $145K |
| Landslide | Very Low | 5.5 | $7 |
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 | 88 | 0 | $650K | 21st of 23 | 1611th of 3,080 |
| Winter storms | 77 | 0 | $34K | 19th of 23 | 517th of 3,077 |
| Floods | 39 | 0 | $7.6M | 18th of 23 | 624th of 3,080 |
| Heavy rain | 31 | 0 | – | 8th of 23 | 109th of 3,080 |
| Hail | 22 | 0 | – | 18th of 23 | 2421st of 3,080 |
| Hurricanes and tropical storms | 10 | 0 | $3.6M | 2nd of 23 | 218th of 1,849 |
| High wind and dust storms | 6 | 0 | $1.5M | 22nd of 23 | 1867th of 3,080 |
| Tornadoes | 6 | 0 | $403K | 19th of 23 | 2078th of 3,080 |
| Extreme cold | 4 | 0 | – | 20th of 23 | 1581st of 3,076 |
| Heat | 4 | 0 | – | 19th of 23 | 1290th of 3,076 |
| Lightning | 4 | 0 | $15K | 19th of 23 | 568th of 3,080 |
| Rip currents and high surf | 1 | 0 | – | 7th of 23 | 158th of 2,080 |
| Drought | 1 | 0 | $3.6M | 18th of 23 | 2311th of 3,063 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Somerset County record: every hazard by year and month, the deadliest events and FEMA's declarations.