Natural hazards · Ferndale

Ferndale, MD natural hazards

Most of the natural-hazard damage FEMA expects in Ferndale comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 14 claims here since 1979.

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

Expected damage

How exposed is Ferndale?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ferndale to be higher than in 2% of U.S. communities, mostly from inland flooding.

Inland flooding39%Heat waves12%Hurricanes11%Tornadoes11%Earthquakes7%Strong wind6%Everything else14%

By hazard

What Ferndale faces

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

Inland flooding

39% of expected damage

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

Recorded about 4 times a year in the area

Heat waves

12% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 6 times a year in the area

Hurricanes

11% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 10 years in the area

Tornadoes

11% of expected damage

Below average · higher than 36% of U.S. places

Earthquakes

7% of expected damage

Above average · higher than 53% of U.S. places

Strong wind

6% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 8 times a year in the area

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesWildfireLandslidesLightning

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 Ferndale flood?

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

14paid claims since 1979

$196Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Floyd: 1 claim, $14K

of all homes
are insured

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

Insurance rates: Anne Arundel County.

Disasters that hit Ferndale

Federal disasters declared here

None of the disasters declared for Anne Arundel County shows FEMA aid or repair money reaching Ferndale itself in FEMA’s records.

Brought FEMA money into FerndaleDeclared for Anne Arundel County only

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

Around Ferndale

Ferndale and the towns around it

Very lowLowModerateHighVery high

Brooklyn Parkmostly inland floodingVery low

Ferndalemostly inland floodingVery low

Glen Burniemostly inland floodingVery low

Linthicummostly 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. Ferndale covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Ferndale’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Ferndale. 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 Ferndale total about $1.7M 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.