Chestertown, MD natural hazards
Most of the natural-hazard damage FEMA expects in Chestertown comes from hurricanes, and overall the risk is very low for a U.S. community. Flood insurance has paid 34 claims here since 1979. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Chestertown?
FEMA expects yearly storm and flood damage to homes and buildings in Chestertown to be higher than in 19% of U.S. communities, mostly from hurricanes and inland flooding.
What Chestertown faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Heat waves
Lightning
Coastal flooding
Earthquakes
Lower here
Not a risk here
Does Chestertown flood?
Every paid claim on a federal flood insurance policy in Chestertown, from FEMA’s records.
Biggest named events
- Hurricane Isabel: 24 claims, $789K
- Hurricane Sandy: 1 claim, $48K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times
are insured
are insured
8 federal disasters brought FEMA money here
Disasters the President declared that paid out in Chestertown itself: aid to households, or repair grants to the Town of Chestertown.
Severe Winter Storm and Snowstorm
Hurricane Irene
Severe Winter Storms and Snowstorms
Severe Winter Storm and Snowstorm
Hurricane Isabel
Snow
Severe Winter Storm
Hurricane Floyd Major Disaster Declarations
How to read this page
FEMA’s expected losses across Chestertown total about $1.8M 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.