Natural hazards · Lusby

Lusby, MD natural hazards

Most of the natural-hazard damage FEMA expects in Lusby comes from hurricanes, and overall the risk is very 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 Lusby?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lusby to be higher than in 14% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes32%Inland flooding25%Coastal flooding18%Heat waves7%Everything else18%

By hazard

What Lusby faces

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

Hurricanes

32% of expected damage

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

Recorded about once every 8 years in the area

Inland flooding

25% of expected damage

Well below average · higher than 1% of U.S. places

Recorded about once a year in the area

Coastal flooding

18% of expected damage

Well above average · higher than 98% of U.S. places

Heat waves

7% of expected damage

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

Recorded about 6 times a year in the area

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 Lusby flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lusby 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.

What’s been done with FEMA grants

8flood-prone properties bought out and cleared

6homes raised above flood level

Disasters that hit Lusby

1 federal disaster brought FEMA money here

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

Brought FEMA money into LusbyDeclared for Calvert County only

2003

Hurricane Isabel

157 households applied for aid $187K aid approved

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

Around Lusby

Lusby and the towns around it

Very lowLowModerateHighVery high

Lusbymostly hurricanesVery low

Solomonsmostly hurricanesVery low

Chesapeake Ranch Estatesmostly inland floodingVery low

Drum Pointmostly 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. Lusby 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 Lusby’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lusby. 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.