Natural hazards · Golden Beach

Golden Beach, MD natural hazards

Most of the natural-hazard damage FEMA expects in Golden Beach comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Golden Beach?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Golden Beach to be higher than in 16% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding35%Hurricanes18%Coastal flooding8%Strong wind8%Tornadoes8%Heat waves7%Everything else16%

By hazard

What Golden Beach faces

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

Inland flooding

35% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Coastal flooding

8% of expected damage

Well above average · higher than 97% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 58 years in the area

Heat waves

7% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HailIce 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 Golden Beach flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Mary's County.

Disasters that hit Golden Beach

Federal disasters declared here

None of the disasters declared for St. Mary's County shows FEMA aid or repair money reaching Golden Beach itself in FEMA’s records.

Brought FEMA money into Golden BeachDeclared for St. Mary's County only

St. Mary's County has had 14 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. Golden Beach 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 Golden Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to Golden Beach. 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.

Golden Beach, MD natural hazards

How exposed is Golden Beach?

What Golden Beach faces

Inland flooding

Hurricanes

Coastal flooding

Strong wind

Tornadoes

Heat waves

Lower here

Not a risk here

Does Golden Beach flood?

Federal disasters declared here

How to read this page

Where to, neighbor?

Matches

Nearby