Photo: Preservation Maryland · CC BY-SA 2.0Less hazard damage per building is expected in Waldorf than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Waldorf gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns, #81 of 261 in Maryland. Most of that expected damage is river and rain flooding (69%), then hurricanes (14%). Flood insurance has paid 38 claims here since 1994.
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 Waldorf’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Waldorf 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
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 Waldorf’s grade
River and rain flooding is 69% of the building damage FEMA expects in Waldorf, and Waldorf’s rate of river and rain flooding damage is lower than 92% of U.S. census tracts. Next is hurricanes at 14% (higher than 73% of U.S. census tracts).
A+ #81 of 261 in Maryland; lower expected damage per building than 98% of U.S. towns (21,298).
Waldorf’s residents live in 16 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, Waldorf has less expected damage per building than 69% of Maryland towns.
In dollars, FEMA expects about $9.7M a year in losses across Waldorf: $7.1M to buildings, the rest to people and crops.
Does Waldorf flood? Sometimes: 38 flood claims since 1994
Every paid claim on a federal flood insurance policy in Waldorf, from FEMA’s records: 1.2 per 1,000 homes, fewer than 74% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene2 claims · $14K
- The Mid-spring storms2 claims · $14K
- Hurricane Isaias1 claim · $3K
Waldorf isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Charles County.1 federal disaster brought FEMA money to Waldorf
Disasters that paid out in Waldorf itself (aid to households or repair grants to Waldorf), newest first, with that year’s flood claims.
- 2003Hurricane Isabel48 households applied for aid$20K aid approved
Charles 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 Waldorf after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Waldorf archive →Waldorf and its neighbors
Waldorf is 2nd 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 |
|---|---|---|---|
| Brandywine | A+less damage than 98% | river and rain flooding | 14 |
| Waldorf | A+less damage than 98% | river and rain flooding | 38 |
| Bensville | A+less damage than 97% | river and rain flooding | 19 |
| Accokeek | Aless damage than 95% | river and rain flooding | 10 |
| Cedarville | — | 730 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 Waldorf 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.
- 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 Waldorf
Is Waldorf at risk for natural disasters?
On FEMA’s National Risk Index, Waldorf has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk, #81 of 261 in Maryland. Most of the expected damage is river and rain flooding (69%) and hurricanes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Waldorf flood?
Flood insurance has paid 38 claims in Waldorf since 1994, $502K in all, or 1.2 per 1,000 homes, fewer than 74% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (2).
Is Waldorf 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 Charles County, 45% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Waldorf?
FEMA’s Community Rating System list shows no discount for Waldorf’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 Waldorf?
By FEMA money that reached Waldorf, Hurricane Isabel (2003): 48 households applied for aid, $20K approved. By flood claims, Hurricane Irene: 2 paid, $14K.
Is Waldorf at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Waldorf’s rate for it is lower than 92% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Waldorf.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Waldorf’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.