Natural hazards · Rock Hall

Rock Hall, MD natural hazards

Most of the natural-hazard damage FEMA expects in Rock Hall comes from coastal flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 113 claims here since 1978. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rock Hall?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rock Hall to be higher than in 42% of U.S. communities, mostly from coastal flooding and hurricanes.

Coastal flooding23%Hurricanes22%Inland flooding20%Drought8%Heat waves5%Lightning5%Everything else16%

By hazard

What Rock Hall faces

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

Coastal flooding

23% of expected damage

Well above average · among the top 1% of U.S. places

Hurricanes

22% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 13 years in the area

Inland flooding

20% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once a year in the area

Drought

8% of expected damage

Recorded about 5 times a year in the area

Heat waves

5% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 5 times a year in the area

Lightning

5% of expected damage

Above average · higher than 64% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong wind

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 Rock Hall flood?

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

113paid claims since 1978

$3.8Mpaid to owners

4homes flooded more than once

19782026

Biggest named events

Hurricane Isabel: 86 claims, $3.0M
Hurricane Floyd: 4 claims, $6K
Hurricane Fran: 1 claim, $447

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kent County.

What’s been done with FEMA grants

2homes raised above flood level

Disasters that hit Rock Hall

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Rock Hall itself: aid to households, or repair grants to the Town of Rock Hall.

Brought FEMA money into Rock HallDeclared for Kent County only

2016

Severe Winter Storm and Snowstorm

$8K to the Town of Rock Hall for repairs

2010

Severe Winter Storms and Snowstorms

$7K to the Town of Rock Hall for repairs

2009

Severe Winter Storm and Snowstorm

$5K to the Town of Rock Hall for repairs

2003

Hurricane Isabel

236 households applied for aid $767K aid approved $85K to the Town of Rock Hall for repairs

2003

Snow

$3K to the Town of Rock Hall for repairs

2000

Severe Winter Storm

$2K to the Town of Rock Hall for repairs

Kent County has had 17 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. Rock Hall 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 Rock Hall’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Rock Hall. 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.

Rock Hall, MD natural hazards

How exposed is Rock Hall?

What Rock Hall faces

Coastal flooding

Hurricanes

Inland flooding

Drought

Heat waves

Lightning

Lower here

Not a risk here

Does Rock Hall flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

6 federal disasters brought FEMA money here

Severe Winter Storm and Snowstorm

Severe Winter Storms and Snowstorms

Severe Winter Storm and Snowstorm

Hurricane Isabel

Snow

Severe Winter Storm

How to read this page

Where to, neighbor?

Matches

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