Natural hazards · Mechanicsville

Mechanicsville, MD natural hazards

Most of the natural-hazard damage FEMA expects in Mechanicsville comes from inland flooding, 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 Mechanicsville?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mechanicsville to be higher than in 11% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding34%Hurricanes20%Drought12%Strong wind9%Tornadoes8%Heat waves7%Everything else11%

By hazard

What Mechanicsville faces

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

Inland flooding

34% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

20% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Drought

12% of expected damage

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 53 years in the area

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

Coastal floodingHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Mechanicsville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Mary's County.

Disasters that hit Mechanicsville

1 federal disaster brought FEMA money here

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

Brought FEMA money into MechanicsvilleDeclared for St. Mary's County only

2003

Hurricane Isabel

91 households applied for aid $141K aid approved

St. Mary's County has had 14 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. Mechanicsville 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 Mechanicsville’s own flood-insurance community; household aid to the registrant’s city; repair grants to Mechanicsville. 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.