Natural Disasters in Charlotte Hall, MD
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
42.6
Very Low
Expected Annual Loss
64.4
Score (0-100)
Social Vulnerability
10.6
Score (0-100)
Community Resilience
93.1
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Hurricane | 85.1 |
| Drought | 72.3 |
| Heat Wave | 67.3 |
| Strong Wind | 65.2 |
| Coastal Flood | 63.0 |
| Wildfire | 59.0 |
| Winter Weather | 58.1 |
| Earthquake | 57.2 |
| Lightning | 56.2 |
| Ice Storm | 53.8 |
| Landslide | 51.4 |
| Tornado | 39.4 |
| Hail | 34.3 |
| Cold Wave | 28.8 |
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster Declarations
Source: FEMA OpenFEMATotal Declarations
18
Most Recent
Winter Storm
Jan 2026
Most Common Type
Hurricane
8 declarations
| Date | Type | Declaration |
|---|---|---|
| Jan 24, 2026 | Winter Storm | SEVERE WINTER STORM |
| Feb 4, 2021 | Hurricane | TROPICAL STORM ISAIAS |
| Mar 26, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| Nov 20, 2012 | Hurricane | HURRICANE SANDY |
| Oct 28, 2012 | Hurricane | HURRICANE SANDY |
| Aug 2, 2012 | Severe Storm | SEVERE STORMS AND STRAIGHT-LINE WINDS |
| Sep 16, 2011 | Hurricane | HURRICANE IRENE |
| Aug 27, 2011 | Hurricane | HURRICANE IRENE |
| May 6, 2010 | Snowstorm | SEVERE WINTER STORMS AND SNOWSTORMS |
| Sep 13, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| Sep 19, 2003 | Hurricane | HURRICANE ISABEL |
| Apr 10, 2000 | Severe Storm | SEVERE WINTER STORM |
| Sep 24, 1999 | Hurricane | HURRICANE FLOYD MAJOR DISASTER DECLARATIONS |
| Jan 11, 1996 | Snowstorm | BLIZZARD OF 96 (SEVERE SNOW STORM) |
| Mar 16, 1994 | Snowstorm | SEVERE WINTER WEATHER AND ICE STORMS |
| Mar 16, 1993 | Snowstorm | SEVERE SNOWFALL & WINTER STORM |
| Jan 26, 1977 | Snowstorm | ICE CONDITIONS |
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
613
Total Claims Paid
$11,233,855
Avg Claim Payout
$18,326
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$8,479,375
Disasters with PA
5
Total Projects
102
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4583 | Hurricane | 19 | $3,038,891 |
| DR-4034 | Hurricane | 52 | $2,683,213 |
| DR-4491 | Biological | 9 | $2,350,281 |
| DR-4091 | Hurricane | 12 | $310,773 |
| DR-1303 | Hurricane | 10 | $96,217 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
10
Federal Funding
$1,272,803
Properties Protected
6
Avg Benefit-Cost Ratio
0.83
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 91.1: Local Multihazard Mitigation Plan | 2 | $52,500 |
| 200.1: Acquisition of Private Real Property (Structures and Land) - Riverine | 2 | $599,302 |
| 202.1: Elevation of Private Structures - Riverine | 2 | $81,110 |
| 202.2: Elevation of Private Structures - Coastal | 2 | $95,852 |
| 205.8: Retrofitting Public Structures - Wind | 1 | $375,000 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Charlotte Hall has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are hurricane, drought, heat wave. The area has had 18 federal disaster declarations. The most common disaster type is hurricane (8 declarations). 613 flood insurance claims have been filed in the area. FEMA has obligated $8,479,375 in public assistance recovery funding. 10 hazard mitigation projects have been funded to reduce future risk.