Natural hazards · Lake Shore

Lake Shore, MD natural hazards

Most of the natural-hazard damage FEMA expects in Lake Shore comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 110 claims here since 1979.

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

Expected damage

How exposed is Lake Shore?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Shore to be higher than in 3% of U.S. communities, mostly from inland flooding.

Inland flooding44%Hurricanes10%Heat waves10%Tornadoes9%Coastal flooding6%Everything else21%

By hazard

What Lake Shore faces

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

Inland flooding

44% of expected damage

Well below average · higher than 5% 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

10% 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 34% of U.S. places

Coastal flooding

6% of expected damage

Well above average · higher than 96% of U.S. places

Lower here

HailIce 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 Lake Shore flood?

Every paid claim on a federal flood insurance policy in Lake Shore, from FEMA’s records.

110paid claims since 1979

$2.8Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Isabel: 67 claims, $2.5M
Hurricane Fran: 5 claims, $68K
Hurricane Floyd: 5 claims, $14K

of all homes
are insured

No community discount. Lake Shore 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 Lake Shore

Federal disasters declared here

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

Brought FEMA money into Lake ShoreDeclared for Anne Arundel County only

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

Around Lake Shore

Lake Shore and the towns around it

Very lowLowModerateHighVery high

Severna Parkmostly inland floodingVery low

Lake Shoremostly inland floodingVery low

Pasadenamostly inland floodingVery low

Arnoldmostly 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. Lake Shore covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Lake Shore’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Lake Shore. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lake Shore total about $2.6M 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.