Photo: SlipperyDude · CC BY-SA 3.0FEMA expects less hazard damage per building in Huntingtown than in 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Huntingtown gets an A for hazard risk: lower expected damage per building than 91% of U.S. towns, #213 of 261 in Maryland. Most of that expected damage is river and rain flooding (60%), then hurricanes (29%). Flood insurance has paid 4 claims here since 2006.
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 stands out about Huntingtown’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Huntingtown faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
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 Huntingtown’s grade
River and rain flooding is 60% of the building damage FEMA expects in Huntingtown, and Huntingtown’s rate of river and rain flooding damage is lower than 88% of U.S. census tracts. Next is hurricanes at 29% (higher than 84% of U.S. census tracts).
A #213 of 261 in Maryland; lower expected damage per building than 91% of U.S. towns (21,298).
Huntingtown’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Maryland town has lower expected damage than 97% of U.S. towns; within the state, Huntingtown has more expected damage per building than 82% of Maryland towns.
In dollars, FEMA expects about $666K a year in losses across Huntingtown: $495K to buildings, the rest to people and crops.
Does Huntingtown flood? Rarely: 4 flood claims since 2006
Every paid claim on a federal flood insurance policy in Huntingtown, from FEMA’s records: 4.1 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Isaias1 claim · $18K
Huntingtown 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.1 federal disaster brought FEMA money to Huntingtown
Disasters that paid out in Huntingtown itself (aid to households or repair grants to Huntingtown), newest first, with that year’s flood claims.
- 2003Hurricane Isabel56 households applied for aid$231K aid approved
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.
Old photos of Huntingtown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Huntingtown archive →Get ready for what Huntingtown faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Huntingtown
Is Huntingtown at risk for natural disasters?
On FEMA’s National Risk Index, Huntingtown has lower expected damage per building than 91% of U.S. towns: A for hazard risk, #213 of 261 in Maryland. Most of the expected damage is river and rain flooding (60%) and hurricanes (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Huntingtown flood?
Flood insurance has paid 4 claims in Huntingtown since 2006, $33K in all, or 4.1 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. The most claims came from Hurricane Isaias (1).
Is Huntingtown 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 Huntingtown?
FEMA’s Community Rating System list shows no discount for Huntingtown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Huntingtown?
By FEMA money that reached Huntingtown, Hurricane Isabel (2003): 56 households applied for aid, $231K approved. By flood claims, Hurricane Isaias: 1 paid, $18K.
Is Huntingtown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Huntingtown’s rate for it is lower than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Huntingtown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Huntingtown’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.