Natural hazards · Arnold

Arnold, MD natural hazards

Most of the natural-hazard damage FEMA expects in Arnold comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 29 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Arnold?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Arnold to be higher than in 2% of U.S. communities, mostly from inland flooding.

Inland flooding47%Hurricanes11%Heat waves10%Tornadoes10%Everything else22%

By hazard

What Arnold faces

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

Inland flooding

47% of expected damage

Well below average · higher than 4% 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

10% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

10% of expected damage

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

Lower here

Coastal floodingHailIce 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 Arnold flood?

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

29paid claims since 1979

$755Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Isabel: 18 claims, $686K
Hurricane Floyd: 1 claim, $12K

of all homes
are insured

No community discount. Arnold 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 Arnold

1 federal disaster brought FEMA money here

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

Brought FEMA money into ArnoldDeclared for Anne Arundel County only

2003

Hurricane Isabel

67 households applied for aid $127K aid approved

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

Around Arnold

Arnold and the towns around it

Very lowLowModerateHighVery high

Severna Parkmostly inland floodingVery low

Lake Shoremostly inland floodingVery low

Arnoldmostly inland floodingVery low

Cape St. Clairemostly 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. Arnold covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Arnold’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Arnold. 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 Arnold total about $3.0M 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.