Photo: Taylor Sullivan · CC BY-SA 3.0Storms, floods and disasters in Baltimore
Baltimore isn’t graded for hazard risk: Baltimore has 361 residents; we grade towns of 1,000 or more.
What Baltimore 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
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.
Does Baltimore flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Baltimore. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Baltimore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Windsor County.2 federal disasters brought FEMA money to Baltimore
Disasters that paid out in Baltimore itself (aid to households or repair grants to the Town of Baltimore), newest first, with that year’s flood claims.
- 2011Tropical Storm Irene$15K to the Town of Baltimore for repairs
- 2003Severe Storms and Flooding$8K to the Town of Baltimore for repairs
Windsor County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Baltimore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Baltimore archive →Baltimore and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Weathersfield | Bless damage than 56% | river and rain flooding | 5 |
| Cavendish | Cmore damage than 73% | river and rain flooding | 33 |
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 Baltimore 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.
- 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 Baltimore
Is Baltimore 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 Windsor County, 28% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Baltimore?
FEMA’s Community Rating System list shows no discount for Baltimore’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 Baltimore?
By FEMA money that reached Baltimore, Tropical Storm Irene (2011): $15K to the Town of Baltimore for repairs.
Storm stories
Memories, warnings and help from neighbors in Baltimore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Baltimore’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.