Natural hazards · Hurlock

Hurlock, MD natural hazards

Most of the natural-hazard damage FEMA expects in Hurlock comes from hurricanes, and overall the risk is very low for a U.S. community. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hurlock?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hurlock to be higher than in 12% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes27%Inland flooding24%Drought15%Cold waves9%Heat waves8%Everything else17%

By hazard

What Hurlock faces

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

Hurricanes

27% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 8 years in the area

Inland flooding

24% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once a year in the area

Drought

15% of expected damage

Recorded about 4 times a year in the area

Cold waves

9% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Heat waves

8% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hurlock flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dorchester County.

Disasters that hit Hurlock

7 federal disasters brought FEMA money here

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

Brought FEMA money into HurlockDeclared for Dorchester County only

2012

Hurricane Sandy

$10K to the Town of Hurlock for repairs

2011

Hurricane Irene

$18K to the Town of Hurlock for repairs

2010

Severe Winter Storms and Snowstorms

$8K to the Town of Hurlock for repairs

2006

Severe Storms, Flooding, and Tornadoes

$12K to the Town of Hurlock for repairs

2003

Hurricane Isabel

13 households applied for aid $18K aid approved

2003

Snow

$5K to the Town of Hurlock for repairs

2000

Severe Winter Storm

$3K to the Town of Hurlock for repairs

Dorchester County has had 16 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. Hurlock 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 Hurlock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hurlock. 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.