Natural hazards · Annapolis Neck

Annapolis Neck, MD natural hazards

Most of the natural-hazard damage FEMA expects in Annapolis Neck comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 226 claims here since 1979.

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

Expected damage

How exposed is Annapolis Neck?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Annapolis Neck to be higher than in 3% of U.S. communities, mostly from inland flooding.

Inland flooding43%Coastal flooding12%Hurricanes10%Heat waves9%Tornadoes9%Everything else18%

By hazard

What Annapolis Neck faces

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

Inland flooding

43% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 4 times a year in the area

Coastal flooding

12% of expected damage

Well above average · higher than 97% of U.S. places

Hurricanes

10% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 11 years in the area

Heat waves

9% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

Below average · higher than 33% of U.S. places

Lower here

HailIce stormsWinter weatherCold 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 Annapolis Neck flood?

Every paid claim on a federal flood insurance policy in Annapolis Neck, from FEMA’s records.

226paid claims since 1979

$6.1Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Isabel: 155 claims, $5.2M
Hurricane Fran: 12 claims, $93K
Hurricane Irene: 3 claims, $13K

of all homes
are insured

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

Insurance rates: Anne Arundel County.

Disasters that hit Annapolis Neck

Federal disasters declared here

None of the disasters declared for Anne Arundel County shows FEMA aid or repair money reaching Annapolis Neck itself in FEMA’s records.

Brought FEMA money into Annapolis NeckDeclared for Anne Arundel County only

Anne Arundel County has had 20 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Annapolis Neck

Annapolis Neck and the towns around it

Very lowLowModerateHighVery high

Highland Beachmostly inland floodingVery low

Mayomostly inland floodingVery low

Annapolis Neckmostly inland floodingVery low

Edgewatermostly inland floodingVery low

Annapolismostly inland floodingVery low

Parolemostly inland floodingVery low

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. Annapolis Neck covers 4 census tracts, combined by population.

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

FEMA’s expected losses across Annapolis Neck total about $2.8M a year, counting buildings, people and crops.

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.