Natural hazards · Chesapeake Ranch Estates

Chesapeake Ranch Estates, MD natural hazards

Most of the natural-hazard damage FEMA expects in Chesapeake Ranch Estates comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1985.

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

Expected damage

How exposed is Chesapeake Ranch Estates?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chesapeake Ranch Estates to be higher than in 12% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding35%Hurricanes28%Heat waves15%Cold waves6%Strong wind6%Lightning5%Everything else6%

By hazard

What Chesapeake Ranch Estates faces

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

Inland flooding

35% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Hurricanes

28% of expected damage

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

Recorded about once every 8 years in the area

Heat waves

15% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once a year in the area

Strong wind

6% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 5 times a year in the area

Lightning

5% of expected damage

Above average · higher than 58% of U.S. places

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslides

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Chesapeake Ranch Estates flood?

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

1paid claims since 1985

$586paid to owners

0homes flooded more than once

19852026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calvert County.

Disasters that hit Chesapeake Ranch Estates

Federal disasters declared here

None of the disasters declared for Calvert County shows FEMA aid or repair money reaching Chesapeake Ranch Estates itself in FEMA’s records.

Brought FEMA money into Chesapeake Ranch EstatesDeclared for Calvert County only

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

Around Chesapeake Ranch Estates

Chesapeake Ranch Estates and the towns around it

Very lowLowModerateHighVery high

Lusbymostly hurricanesVery low

Chesapeake Ranch Estatesmostly inland floodingVery low

Drum Pointmostly 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. Chesapeake Ranch Estates covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Chesapeake Ranch Estates’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Chesapeake Ranch Estates. 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 Chesapeake Ranch Estates total about $775K 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.