Havre de Grace, MD natural hazards
Most of the natural-hazard damage FEMA expects in Havre de Grace comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 33 claims here since 1999. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Havre de Grace?
FEMA expects yearly storm and flood damage to homes and buildings in Havre de Grace to be higher than in 12% of U.S. communities, mostly from inland flooding.
What Havre de Grace faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Heat waves
Cold waves
Hurricanes
Lower here
Not a risk here
Does Havre de Grace flood?
Every paid claim on a federal flood insurance policy in Havre de Grace, from FEMA’s records.
Biggest named events
- Hurricane Isabel: 13 claims, $519K
- Hurricane Floyd: 1 claim, $684
- Hurricane Debby: 1 claim, $20K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
are insured
8 federal disasters brought FEMA money here
Disasters the President declared that paid out in Havre de Grace itself: aid to households, or repair grants to the City of Havre de Grace.
Severe Winter Storm and Snowstorm
Hurricane Sandy
Remnants of Tropical Storm Lee
Hurricane Irene
Severe Winter Storms and Snowstorms
Severe Winter Storm and Snowstorm
Hurricane Isabel
Snow
Havre de Grace and the towns around it
How to read this page
FEMA’s expected losses across Havre de Grace total about $3.1M 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.