Natural hazards · Girdletree

Girdletree, MD natural hazards

Most of the natural-hazard damage FEMA expects in Girdletree comes from hurricanes, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Girdletree?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Girdletree to be higher than in 43% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes60%Inland flooding21%Drought7%Cold waves5%Everything else7%

By hazard

What Girdletree faces

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

Hurricanes

60% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

21% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once a year in the area

Drought

7% of expected damage

Recorded about 4 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Girdletree flood?

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

of all homes
are insured

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

Insurance rates: Worcester County.

Disasters that hit Girdletree

Federal disasters declared here

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

Brought FEMA money into GirdletreeDeclared for Worcester County only

Worcester County has had 10 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. Girdletree 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 Girdletree’s own flood-insurance community; household aid to the registrant’s city; repair grants to Girdletree. 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.