Natural hazards · Algonquin

Algonquin, MD natural hazards

Most of the natural-hazard damage FEMA expects in Algonquin comes from coastal flooding, and overall the risk is high for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Algonquin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Algonquin to be higher than in 72% of U.S. communities, mostly from coastal flooding and hurricanes.

Coastal flooding51%Hurricanes16%Inland flooding14%Everything else19%

By hazard

What Algonquin faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Coastal flooding

51% of expected damage

Well above average · among the top 1% of U.S. places

Hurricanes

16% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

14% of expected damage

Well below average · higher than 2% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Algonquin flood?

FEMA's records show no paid flood insurance claims in Algonquin.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Algonquin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Dorchester County.

Disasters that hit Algonquin

Federal disasters declared here

None of the disasters declared for Dorchester County shows FEMA aid or repair money reaching Algonquin itself in FEMA’s records.

Brought FEMA money into AlgonquinDeclared for Dorchester County only

Dorchester County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Algonquin is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Algonquin’s own flood-insurance community; household aid to the registrant’s city; repair grants to Algonquin. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.