Hancock's Resolution · Photo: Pubdog · Public domainFEMA expects less hazard damage per building in Lake Shore than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Lake Shore gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #55 of 261 in Maryland. Most of that expected damage is river and rain flooding (63%), then hurricanes (15%). Flood insurance has paid 110 claims here since 1979.
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 Lake Shore’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lake Shore 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
Coastal flooding
Earthquakes
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 Lake Shore’s grade
River and rain flooding is 63% of the building damage FEMA expects in Lake Shore, and Lake Shore’s rate of river and rain flooding damage is lower than 95% of U.S. census tracts. Coastal flooding adds 9%, at a rate in the top 4% of U.S. census tracts.
A+ #55 of 261 in Maryland; among the lowest expected damage per building of U.S. towns (21,298).
Lake Shore’s residents live in 5 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, Lake Shore has less expected damage per building than 79% of Maryland towns.
In dollars, FEMA expects about $2.5M a year in losses across Lake Shore: $1.7M to buildings, the rest to people and crops.
Does Lake Shore flood? Yes: 110 flood claims since 1979
Every paid claim on a federal flood insurance policy in Lake Shore, from FEMA’s records: 14.8 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Isabel67 claims · $2.5M
- Hurricane Fran5 claims · $68K
- Hurricane Floyd5 claims · $14K
Lake Shore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Anne Arundel County.The storms Lake Shore remembers
None of the 19 disasters declared for Anne Arundel County shows FEMA aid or repair money reaching Lake Shore itself in FEMA’s records, so these are its biggest flood-claim years.
- 200367 flood claims paidThe year of Hurricane Isabel, declared for Anne Arundel County
- 199610 flood claims paidThe year of Blizzard of 96 (severe Snow Storm), declared for Anne Arundel County
- 20107 flood claims paidThe year of Severe Winter Storms and Snowstorms, declared for Anne Arundel County
Anne Arundel 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 Lake Shore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lake Shore archive →Lake Shore and its neighbors
Lake Shore is 3rd of the 4 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 |
|---|---|---|---|
| Pasadena | A+among the lowest damage | river and rain flooding | 5 |
| Arnold | A+among the lowest damage | river and rain flooding | 29 |
| Lake Shore | A+among the lowest damage | river and rain flooding | 110 |
| Severna Park | A+less damage than 98% | river and rain flooding | 36 |
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 Lake Shore 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Lake Shore
Is Lake Shore at risk for natural disasters?
On FEMA’s National Risk Index, Lake Shore has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #55 of 261 in Maryland. Most of the expected damage is river and rain flooding (63%) and hurricanes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lake Shore flood?
Flood insurance has paid 110 claims in Lake Shore since 1979, $2.8M in all, or 14.8 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. The most claims came from Hurricane Isabel (67).
Is Lake Shore 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 Anne Arundel County, 2.5% of all homes carry federal flood insurance.
How much is flood insurance in Lake Shore?
FEMA’s Community Rating System list shows no discount for Lake Shore’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 Lake Shore?
By flood claims, Hurricane Isabel: 67 paid, $2.5M.
Is Lake Shore at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (63%), and Lake Shore’s rate for it is lower than 95% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lake Shore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lake Shore’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.