Natural hazards · Herald Harbor

Herald Harbor, MD natural hazards

Most of the natural-hazard damage FEMA expects in Herald Harbor 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 Herald Harbor?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Herald Harbor to be higher than in 4% of U.S. communities, mostly from inland flooding.

Inland flooding50%Hurricanes10%Heat waves9%Tornadoes9%Everything else22%

By hazard

What Herald Harbor faces

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

Inland flooding

50% of expected damage

Well below average · higher than 8% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

10% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 11 years in the area

Heat waves

9% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

Below average · higher than 33% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Herald Harbor flood?

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

of all homes
are insured

No community discount. Herald Harbor 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 Herald Harbor

Federal disasters declared here

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

Brought FEMA money into Herald HarborDeclared for Anne Arundel County only

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

Around Herald Harbor

Herald Harbor and the towns around it

Very lowLowModerateHighVery high

Herald Harbormostly inland floodingVery low

Arden on the Severnmostly inland floodingVery low

Crownsvillemostly inland floodingVery low

Severna Parkmostly 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. Herald Harbor 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 Herald Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to Herald Harbor. 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.