St. Andrew's Church · Photo: Pubdog · Public domainOn FEMA’s figures, Wildewood faces less hazard damage per building than 89% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Wildewood gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns, #225 of 261 in Maryland. Most of that expected damage is river and rain flooding (48%), then hurricanes (37%). 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 Wildewood 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 Wildewood’s grade
River and rain flooding is 48% of the building damage FEMA expects in Wildewood, and Wildewood’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Next is hurricanes at 37% (higher than 85% of U.S. census tracts).
A #225 of 261 in Maryland; lower expected damage per building than 89% of U.S. towns (21,298).
Wildewood’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, Wildewood has more expected damage per building than 86% of Maryland towns.
In dollars, FEMA expects about $1.6M a year in losses across Wildewood: $1.3M to buildings, the rest to people and crops.
Does Wildewood flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Wildewood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Wildewood 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.The storms Wildewood remembers
None of the 13 disasters declared for St. Mary's County shows FEMA aid or repair money reaching Wildewood itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Wildewood and its neighbors
Wildewood 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 | — |
| Wildewood | Aless damage than 89% | 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 Wildewood 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 Wildewood
Is Wildewood at risk for natural disasters?
On FEMA’s National Risk Index, Wildewood has lower expected damage per building than 89% of U.S. towns: A for hazard risk, #225 of 261 in Maryland. Most of the expected damage is river and rain flooding (48%) and hurricanes (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Wildewood 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 Wildewood?
FEMA’s Community Rating System list shows no discount for Wildewood’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Wildewood at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (48%), and Wildewood’s rate for it is lower than 93% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wildewood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wildewood’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.