St. Mary's County, Maryland: hazard risk
FEMA rates St. Mary's County's overall risk Very Low (score 42.6 of 100, higher than 42% of rated U.S. counties). Its storm record holds 1,060 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 | 85.1 | $6.4M |
| Drought | Relatively Moderate | 72.3 | $1.0M |
| Strong Wind | Relatively Moderate | 65.2 | $1.4M |
| Coastal Flooding | Relatively Moderate | 63.0 | $1.1M |
| Heat Wave | Relatively Low | 67.3 | $1.4M |
| Winter Weather | Relatively Low | 58.1 | $143K |
| Lightning | Relatively Low | 56.2 | $490K |
| Ice Storm | Relatively Low | 53.8 | $167K |
| Tornado | Relatively Low | 39.4 | $1.4M |
| Riverine Flooding | Relatively Low | 36.8 | $7.2M |
| Hail | Relatively Low | 34.3 | $237K |
| Cold Wave | Relatively Low | 28.8 | $654K |
| Wildfire | Very Low | 59.0 | $132K |
| Earthquake | Very Low | 57.2 | $670K |
| Landslide | Very Low | 51.4 | $2K |
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 | 345 | 0 | $7.9M | 11th of 23 | 166th of 3,080 |
| Floods | 240 | 0 | $1.8M | 2nd of 23 | 45th of 3,080 |
| Winter storms | 104 | 0 | $26K | 17th of 23 | 372nd of 3,077 |
| Hail | 80 | 0 | $23K | 4th of 23 | 970th of 3,080 |
| Heat | 80 | 2 | – | 6th of 23 | 66th of 3,076 |
| Tornadoes | 34 | 0 | $11M | 2nd of 23 | 118th of 3,080 |
| High wind and dust storms | 33 | 0 | $7.1M | 14th of 23 | 397th of 3,080 |
| Extreme cold | 32 | 0 | $5K | 14th of 23 | 215th of 3,076 |
| Heavy rain | 23 | 0 | – | 12th of 23 | 128th of 3,080 |
| Lightning | 16 | 0 | $1.0M | 11th of 23 | 241st of 3,080 |
| Drought | 12 | 0 | $3.0M | 8th of 23 | 1270th of 3,063 |
| Hurricanes and tropical storms | 8 | 1 | $144M | 7th of 23 | 330th 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 St. Mary's County record: every hazard by year and month, the deadliest events and FEMA's declarations.