Natural hazards · Baltimore

Baltimore, OH natural hazards

Most of the natural-hazard damage FEMA expects in Baltimore comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 2008. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Baltimore?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baltimore to be higher than in 53% of U.S. communities, mostly from inland flooding.

Inland flooding76%Tornadoes6%Everything else19%

By hazard

What Baltimore faces

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

Inland flooding

76% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 59% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Baltimore flood?

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

9paid claims since 2008

$1.1Mpaid to owners

0homes flooded more than once

20082026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fairfield County.

Disasters that hit Baltimore

4 federal disasters brought FEMA money here

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

Brought FEMA money into BaltimoreDeclared for Fairfield County only

2012

Severe Storms and Straight-Line Winds

$25K to the Village of Baltimore for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$17K to the Village of Baltimore for repairs

2008

Record Snow and Near Record Snow

$5K to the Village of Baltimore for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

26 households applied for aid $11K aid approved $2K to the Village of Baltimore for repairs

Fairfield County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Baltimore

Baltimore and the towns around it

Very lowLowModerateHighVery high

Baltimoremostly inland floodingModerate

Libertymostly inland floodingModerate

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