Natural hazards · Drum Point

Drum Point, MD natural hazards

Most of the natural-hazard damage FEMA expects in Drum Point comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1991.

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

Expected damage

How exposed is Drum Point?

Very low

vs. U.S. communities

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

Inland flooding33%Hurricanes30%Heat waves12%Everything else26%

By hazard

What Drum Point faces

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

Inland flooding

33% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once a year in the area

Hurricanes

30% of expected damage

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

Recorded about once every 8 years in the area

Heat waves

12% of expected damage

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

Recorded about 6 times a year in the area

Lower here

Coastal floodingTornadoesHailIce 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 Drum Point flood?

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

7paid claims since 1991

$178Kpaid to owners

0homes flooded more than once

19912026

Biggest named events

Hurricane Isabel: 3 claims, $31K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Drum Point 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 Drum Point

Federal disasters declared here

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

Brought FEMA money into Drum PointDeclared for Calvert County only

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

Around Drum Point

Drum Point and the towns around it

Very lowLowModerateHighVery high

Lusbymostly hurricanesVery low

Drum Pointmostly inland floodingVery low

Chesapeake Ranch Estatesmostly 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. Drum Point covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Drum Point’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Drum Point. 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 Drum Point total about $867K 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.