Photo: Mike Kalasnik · CC BY-SA 2.0FEMA expects less hazard damage per building in White Marsh than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, White Marsh gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #62 of 261 in Maryland. Most of that expected damage is river and rain flooding (68%), then hurricanes (17%). Flood insurance has paid 2 claims here since 2010.
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 White Marsh’s natural hazards
From FEMA’s model and FEMA’s records, below.
What White Marsh 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 White Marsh’s grade
River and rain flooding is 68% of the building damage FEMA expects in White Marsh, and White Marsh’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Next is hurricanes at 17% (higher than 78% of U.S. census tracts).
A+ #62 of 261 in Maryland; among the lowest expected damage per building of U.S. towns (21,298).
White Marsh’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, White Marsh has less expected damage per building than 77% of Maryland towns.
In dollars, FEMA expects about $1.8M a year in losses across White Marsh: $1.1M to buildings, the rest to people and crops.
Does White Marsh flood? Rarely: 2 flood claims since 2010
Every paid claim on a federal flood insurance policy in White Marsh, from FEMA’s records: 0.4 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.
White Marsh isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Baltimore County.1 federal disaster brought FEMA money to White Marsh
Disasters that paid out in White Marsh itself (aid to households or repair grants to White Marsh), newest first, with that year’s flood claims.
- 2003Hurricane Isabel33 households applied for aid$105K aid approved
Baltimore County has had 19 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of White Marsh after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the White Marsh archive →White Marsh and its neighbors
White Marsh is 4th of the 6 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 |
|---|---|---|---|
| Rossville | A+among the lowest damage | river and rain flooding | 2 |
| Middle River | A+among the lowest damage | river and rain flooding | 119 |
| Honeygo | A+among the lowest damage | river and rain flooding | 3 |
| White Marsh | A+among the lowest damage | river and rain flooding | 2 |
| Perry Hall | A+less damage than 98% | river and rain flooding | 9 |
| Overlea | A+less damage than 97% | river and rain flooding | 3 |
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 White Marsh 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 White Marsh
Is White Marsh at risk for natural disasters?
On FEMA’s National Risk Index, White Marsh has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #62 of 261 in Maryland. Most of the expected damage is river and rain flooding (68%) and hurricanes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does White Marsh flood?
Flood insurance has paid 2 claims in White Marsh since 2010, $5K in all, or 0.4 per 1,000 homes, fewer than 91% of U.S. towns with a flood insurance record.
Is White Marsh 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 Baltimore County, 1.2% of all homes carry federal flood insurance.
How much is flood insurance in White Marsh?
FEMA’s Community Rating System list shows no discount for White Marsh’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 White Marsh?
By FEMA money that reached White Marsh, Hurricane Isabel (2003): 33 households applied for aid, $105K approved.
Is White Marsh at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and White Marsh’s rate for it is lower than 93% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in White Marsh.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where White Marsh’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.