West St. Mary's Manor · Photo: Maybe McKay Ho or Thomas T. Waterman, Photographer · Public domainLess hazard damage per building is expected in Lexington Park than in 94% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Lexington Park gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #188 of 261 in Maryland. Most of that expected damage is river and rain flooding (43%), then hurricanes (41%). 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 Lexington Park 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
Strong wind
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 Lexington Park’s grade
River and rain flooding is 43% of the building damage FEMA expects in Lexington Park, and Lexington Park’s rate of river and rain flooding damage is lower than 97% of U.S. census tracts. Next is hurricanes at 41% (higher than 85% of U.S. census tracts).
A #188 of 261 in Maryland; lower expected damage per building than 94% of U.S. towns (21,298).
Lexington Park’s residents live in 4 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, Lexington Park has more expected damage per building than 72% of Maryland towns.
In dollars, FEMA expects about $1.9M a year in losses across Lexington Park: $1.4M to buildings, the rest to people and crops.
Does Lexington Park flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lexington Park. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Lexington Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Mary's County.1 federal disaster brought FEMA money to Lexington Park
Disasters that paid out in Lexington Park itself (aid to households or repair grants to Lexington Park), newest first, with that year’s flood claims.
- 2003Hurricane Isabel84 households applied for aid$68K aid approved
St. Mary's County has had 13 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 Lexington Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lexington Park archive →Lexington Park and its neighbors
Lexington Park 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 |
|---|---|---|---|
| California | A+less damage than 96% | hurricanes | — |
| Lexington Park | Aless damage than 94% | river and rain flooding | 0 |
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 Lexington Park 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Lexington Park
Is Lexington Park at risk for natural disasters?
On FEMA’s National Risk Index, Lexington Park has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #188 of 261 in Maryland. Most of the expected damage is river and rain flooding (43%) and hurricanes (41%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Lexington Park 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 St. Mary's County, 55% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in Lexington Park?
FEMA’s Community Rating System list shows no discount for Lexington Park’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 Lexington Park?
By FEMA money that reached Lexington Park, Hurricane Isabel (2003): 84 households applied for aid, $68K approved.
Is Lexington Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (43%), and Lexington Park’s rate for it is lower than 97% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lexington Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lexington Park’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.