Natural hazards · Long Beach

Long Beach, MD natural hazards

Most of the natural-hazard damage FEMA expects in Long Beach comes from hurricanes, and overall the risk is very low for a U.S. community. Flood insurance has paid 16 claims here since 2003.

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

Expected damage

How exposed is Long Beach?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Long Beach to be higher than in 9% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes33%Inland flooding32%Heat waves8%Coastal flooding6%Everything else22%

By hazard

What Long Beach faces

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

Hurricanes

33% of expected damage

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

Recorded about once every 8 years in the area

Inland flooding

32% of expected damage

Well below average · higher than 2% 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 6 times a year in the area

Coastal flooding

6% of expected damage

Well above average · higher than 97% of U.S. places

Lower here

TornadoesHailIce 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 Long Beach flood?

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

16paid claims since 2003

$323Kpaid to owners

0homes flooded more than once

20032026

Biggest named events

Hurricane Isabel: 7 claims, $120K
2025-10-Nor'easter: 1 claim, $16K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Calvert County.

Disasters that hit Long Beach

Federal disasters declared here

None of the disasters declared for Calvert County shows FEMA aid or repair money reaching Long Beach itself in FEMA’s records.

Brought FEMA money into Long BeachDeclared for Calvert County only

Calvert County has had 20 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. Long Beach covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Long Beach’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Long Beach. 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 Long Beach total about $1.1M 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.