Natural hazards · Charlotte Hall

Charlotte Hall, MD natural hazards

Most of the natural-hazard damage FEMA expects in Charlotte Hall comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Charlotte Hall?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlotte Hall to be higher than in 6% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding31%Hurricanes24%Strong wind9%Tornadoes8%Earthquakes7%Drought6%Everything else14%

By hazard

What Charlotte Hall faces

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

Inland flooding

31% of expected damage

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

Recorded about 3 times a year in the area

Hurricanes

24% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Strong wind

9% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 68 years in the area

Earthquakes

7% of expected damage

Above average · higher than 55% of U.S. places

Drought

6% of expected damage

Recorded about 4 times a year in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesWildfireLandslidesLightning

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 Charlotte Hall flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Mary's County.

Disasters that hit Charlotte Hall

1 federal disaster brought FEMA money here

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

Brought FEMA money into Charlotte HallDeclared for St. Mary's County only

2003

Hurricane Isabel

4 households applied for aid

St. Mary's County has had 14 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. Charlotte Hall covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Charlotte Hall’s own flood-insurance community; household aid to the registrant’s city; repair grants to Charlotte Hall. 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 Charlotte Hall total about $1.0M 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.