Natural hazards · Naval Academy

Naval Academy, MD natural hazards

Most of the natural-hazard damage FEMA expects in Naval Academy comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1978.

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

Expected damage

How exposed is Naval Academy?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Naval Academy to be higher than in 0% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes24%Earthquakes11%Tornadoes8%Coastal flooding5%Everything else15%

By hazard

What Naval Academy faces

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

Inland flooding

36% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

24% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 11 years in the area

Earthquakes

11% of expected damage

Below average · higher than 40% of U.S. places

Tornadoes

8% of expected damage

Below average · higher than 33% of U.S. places

Coastal flooding

5% of expected damage

Well above average · higher than 94% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Naval Academy flood?

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

5paid claims since 1978

$546Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Debby: 1 claim, $72K

of all homes
are insured

No community discount. Naval Academy 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 Naval Academy

Federal disasters declared here

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

Brought FEMA money into Naval AcademyDeclared for Anne Arundel County only

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

Around Naval Academy

Naval Academy and the towns around it

Very lowLowModerateHighVery high

Annapolismostly inland floodingVery low

Naval Academymostly 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. Naval Academy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Naval Academy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Naval Academy. 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 Naval Academy total about $214K 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.