FEMA puts Calvert Beach’s expected hazard damage per building below that of 94% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Calvert Beach gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns. Most of that expected damage is hurricanes (42%), then river and rain flooding (40%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Calvert Beach faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Coastal flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Calvert Beach’s grade
Hurricanes are 42% of the building damage FEMA expects in Calvert Beach, and Calvert Beach’s rate of hurricanes damage is higher than 85% of U.S. census tracts. Coastal flooding adds 8%, at a rate in the top 4% of U.S. census tracts.
A lower expected damage per building than 94% of U.S. towns (21,298).
All of Calvert Beach’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $148K a year in losses across Calvert Beach: $112K to buildings, the rest to people and crops.
Does Calvert Beach flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Calvert Beach. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Calvert Beach isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Calvert County.The storms Calvert Beach remembers
None of the 19 disasters declared for Calvert County shows FEMA aid or repair money reaching Calvert Beach itself in FEMA’s records, so these are its biggest flood-claim years.
Calvert County has had 19 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Calvert Beach and its neighbors
Calvert Beach is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Long Beach | Aless damage than 94% | hurricanes | 16 |
| Calvert Beach | Aless damage than 94% | hurricanes | 0 |
| St. Leonard | — | 726 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Calvert Beach faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Calvert Beach
Is Calvert Beach at risk for natural disasters?
On FEMA’s National Risk Index, Calvert Beach has lower expected damage per building than 94% of U.S. towns: A for hazard risk. Most of the expected damage is hurricanes (42%) and river and rain flooding (40%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Calvert Beach in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Calvert County, 63% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Calvert Beach?
FEMA’s Community Rating System list shows no discount for Calvert Beach’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Calvert Beach at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (42%), and Calvert Beach’s rate for it is higher than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Calvert Beach.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Calvert Beach’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.