Natural hazards · Timonium

Timonium, MD natural hazards

Most of the natural-hazard damage FEMA expects in Timonium comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 10 claims here since 1979.

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

Expected damage

How exposed is Timonium?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Timonium to be higher than in 2% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding46%Heat waves22%Hurricanes12%Cold waves5%Everything else16%

By hazard

What Timonium faces

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

Inland flooding

46% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 6 times a year in the area

Heat waves

22% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 10 years in the area

Cold waves

5% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Timonium flood?

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

10paid claims since 1979

$184Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Irene: 1 claim, $4K
Hurricane Gloria: 1 claim, $12K

of all homes
are insured

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

Insurance rates: Baltimore County.

Disasters that hit Timonium

Federal disasters declared here

None of the disasters declared for Baltimore County shows FEMA aid or repair money reaching Timonium itself in FEMA’s records.

Brought FEMA money into TimoniumDeclared for Baltimore County only

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

Around Timonium

Timonium and the towns around it

Very lowLowModerateHighVery high

Mays Chapelmostly inland floodingVery low

Cockeysvillemostly inland floodingVery low

Hamptonmostly inland floodingVery low

Timoniummostly inland floodingVery low

Luthervillemostly 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. Timonium covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Timonium’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Timonium. 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 Timonium total about $2.3M 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.