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Natural hazards · Annapolis

Annapolis, MD natural hazards

Most of the natural-hazard damage FEMA expects in Annapolis comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 127 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

How exposed is Annapolis?

1
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Annapolis to be higher than in 1% of U.S. communities, mostly from inland flooding.

Inland flooding39%Hurricanes11%Heat waves11%Tornadoes11%Earthquakes7%Coastal flooding5%Everything else17%
By hazard

What Annapolis faces

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

Inland flooding

39% of expected damage
Well below average · higher than 3% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

11% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 11 years in the area

Heat waves

11% of expected damage
Well below average · higher than 13% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

11% of expected damage
Below average · higher than 33% of U.S. places

Earthquakes

7% of expected damage
Below average · higher than 48% of U.S. places

Coastal flooding

5% of expected damage
Well above average · higher than 95% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesWildfireLandslidesLightningDrought

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 flood?

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

127paid claims since 1978
$5.6Mpaid to owners
13homes flooded more than once
19782026

Biggest named events

  • Hurricane Isabel: 66 claims, $4.1M
  • Hurricane Fran: 4 claims, $26K
  • Hurricane Irene: 3 claims, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of all homes
are insured
🏷️ 15% off flood insurance. Annapolis is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Anne Arundel County.

What’s been done with FEMA grants

3homes raised above flood level
Disasters that hit Annapolis

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Annapolis itself: aid to households, or repair grants to the City of Annapolis.

Brought FEMA money into AnnapolisDeclared for Anne Arundel County only
2016

Severe Winter Storm and Snowstorm

$254K to the City of Annapolis for repairs
2003

Hurricane Isabel

385 households applied for aid $559K aid approved $189K to the City of Annapolis for repairs
2003

Snow

$92K to the City of Annapolis for repairs
2000

Severe Winter Storm

$68K to the City of Annapolis for repairs
1999

Hurricane Floyd Major Disaster Declarations

$82K to the City of Annapolis for repairs
Anne Arundel County has had 20 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Annapolis

Annapolis and the towns around it

Annapolis Neck: Very low, mostly inland floodingParole: Very low, mostly inland floodingNaval Academy: Very low, mostly inland floodingHighland Beach: Very low, mostly inland floodingMayo: Very low, mostly inland floodingEdgewater: Very low, mostly inland floodingRiva: Very low, mostly inland floodingArnold: Very low, mostly inland floodingAnnapolis: Very low, mostly inland flooding AnnapolisAnnapolis NeckParoleNaval Academy
Very lowLowModerateHighVery high
Annapolis Neckmostly inland floodingVery low
Annapolismostly inland floodingVery low
Parolemostly inland floodingVery low
Naval Academymostly 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 covers 9 census tracts, combined by population.
Money that reached townFlood claims are matched to Annapolis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Annapolis. 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 total about $3.5M 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.

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