Natural hazards · Willards

Willards, MD natural hazards

Most of the natural-hazard damage FEMA expects in Willards comes from hurricanes, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Willards?

Low

vs. U.S. communities

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

Hurricanes52%Inland flooding25%Drought8%Cold waves5%Everything else10%

By hazard

What Willards faces

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

Hurricanes

52% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

25% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Drought

8% 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

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Willards flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Willards 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 Willards

2 federal disasters brought FEMA money here

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

Brought FEMA money into WillardsDeclared for Wicomico County only

2011

Hurricane Irene

$2K to the Town of Willards for repairs

2003

Hurricane Isabel

3 households applied for aid $1K aid approved

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. Willards 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 Willards’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Willards. 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.