Natural hazards · Baltimore

Baltimore, VT natural hazards

Most of the natural-hazard damage FEMA expects in Baltimore comes from inland flooding, and overall the risk is high 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 Baltimore?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baltimore to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding81%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

81% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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?

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

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: Windsor County.

Disasters that hit Baltimore

2 federal disasters brought FEMA money here

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

Brought FEMA money into BaltimoreDeclared for Windsor County only

2011

Tropical Storm Irene

$15K to the Town of Baltimore for repairs

2003

Severe Storms and Flooding

$8K to the Town of Baltimore for repairs

Windsor County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Baltimore

Baltimore and the towns around it

Very lowLowModerateHighVery high

Baltimoremostly inland floodingHigh

Cavendishmostly inland floodingHigh

Weathersfieldmostly 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 Town 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.