Natural hazards · Cobb Island

Cobb Island, MD natural hazards

Most of the natural-hazard damage FEMA expects in Cobb Island 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 Cobb Island?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cobb Island to be higher than in 11% of U.S. communities, mostly from inland flooding and drought.

Inland flooding31%Drought22%Coastal flooding16%Hurricanes9%Heat waves6%Strong wind5%Everything else10%

By hazard

What Cobb Island 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 5% of U.S. places

Recorded about 2 times a year in the area

Drought

22% of expected damage

Recorded about 4 times a year in the area

Coastal flooding

16% of expected damage

Well above average · higher than 98% of U.S. places

Hurricanes

9% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 10 years in the area

Heat waves

6% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 6 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 6 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Cobb Island flood?

FEMA's records show no paid flood insurance claims in Cobb Island.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Charles County.

Disasters that hit Cobb Island

1 federal disaster brought FEMA money here

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

Brought FEMA money into Cobb IslandDeclared for Charles County only

2003

Hurricane Isabel

72 households applied for aid $99K aid approved

Charles County has had 20 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. Cobb Island is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Cobb Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to Cobb Island. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.