Natural hazards · Henderson

Henderson, MD natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from hurricanes, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Henderson?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 30% of U.S. communities, mostly from hurricanes and drought.

Hurricanes36%Drought20%Inland flooding17%Strong wind8%Cold waves7%Everything else13%

By hazard

What Henderson faces

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

Hurricanes

36% of expected damage

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

Recorded about once every 10 years in the area

Drought

20% of expected damage

Recorded about 6 times a year in the area

Inland flooding

17% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once a year in the area

Strong wind

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Henderson flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Caroline County.

Disasters that hit Henderson

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Henderson itself: aid to households, or repair grants to the Town of Henderson.

Brought FEMA money into HendersonDeclared for Caroline County only

2003

Hurricane Isabel

1 household applied for aid $644 aid approved

Caroline County has had 17 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. Henderson 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 Henderson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Henderson. 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.