Natural hazards · Sharptown

Sharptown, MD natural hazards

Most of the natural-hazard damage FEMA expects in Sharptown comes from hurricanes, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2004. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Sharptown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sharptown to be higher than in 34% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes42%Inland flooding26%Drought9%Cold waves5%Everything else18%

By hazard

What Sharptown faces

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

Hurricanes

42% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Inland flooding

26% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about once a year in the area

Drought

9% of expected damage

Recorded about 4 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Sharptown flood?

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

1paid claims since 2004

$490Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wicomico County.

Disasters that hit Sharptown

2 federal disasters brought FEMA money here

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

Brought FEMA money into SharptownDeclared for Wicomico County only

2010

Severe Winter Storms and Snowstorms

$3K to the Town of Sharptown for repairs

2003

Hurricane Isabel

$772 to the Town of Sharptown for repairs

Wicomico County has had 10 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. Sharptown 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 Sharptown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Sharptown. 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.