States › Maryland › Calvert County

Calvert County, Maryland

Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.

FIPS 24009 · 93,928 residents (2021) · 213 sq mi · dominant hazard Wind

Hail · 49Tornado · 19Flood · 63Wind · 339Winter · 108

Calvert County within Maryland. Dots: HailTornadoFloodWind event locations in the kept record. Boundaries: US Census Bureau.

NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.

The NCEI record lists 774 events for Calvert County, Maryland, between 1950 and 2026; damaging wind account for the largest share.

That is 363.1 events per 100 square miles, above the Maryland figure of 257.5, and 82.4 per 10,000 residents against 40.6 statewide.

27 events fall in the 12 months to 30 Jun 2026. NCEI attributes 5 deaths and 163 injuries to events in the county, with property damage estimated at $32M and crop damage at $1.7M.

FEMA has designated the county in 24 federal disaster declarations since 1953; the most recent is Severe Winter Storm (emergency, 24 Jan 2026).

National Flood Insurance Program policyholders in the county filed 559 claims since 1978, of which 428 were paid, totalling $9.6M (about $22K per paid claim). FEMA counts 699 residential flood policies in force.

FEMA's National Risk Index rates the county's overall risk as "Very Low" and its expected annual loss as "Relatively Low" ($16M a year across 18 hazards).

52 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 1 of them within 50 miles at hurricane strength.

27events, last 12 monthsto 30 Jun 2026

774events since 19505 deaths, 163 injuries recorded

24disaster declarationslast 24 Jan 2026

559NFIP flood claims$9.6M paid

Compared with Maryland and the United States

Measure	Calvert County	Maryland	US
Recorded events since 1950	774	25,002	1,977,440
Events per 100 square miles	363.1	257.5	56.0
Events per 10,000 residents	82.4	40.6	59.6
Events in the last 12 months	27	758	62,008
Deaths recorded by NCEI	5	228	26,435
Property damage (NCEI estimates)	$32M	$1.5B	$575B
NFIP claims per 1,000 residents	6.0	4.1	8.1
Average paid NFIP claim	$22K	$23K	$43K
Claims per 100 policies in force, last 10 years	10.0	8.2	16.1

County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.

Events by decade

Hail: 1Wind: 4

Tornado: 2Wind: 3

Tornado: 2Wind: 8

Hail: 13Tornado: 2Flood: 6Wind: 35Winter: 9Tropical: 4Heat: 7Cold: 1Drought: 9Lightning: 2Fog: 1Other: 1

Hail: 17Tornado: 7Flood: 11Wind: 71Winter: 28Tropical: 2Heat: 17Cold: 14Drought: 3Lightning: 7Fog: 8Other: 15

Hail: 12Tornado: 3Flood: 35Wind: 140Winter: 55Tropical: 1Heat: 31Cold: 14Fog: 26

Hail: 6Tornado: 3Flood: 11Wind: 78Winter: 16Tropical: 1Heat: 17Cold: 4Lightning: 1Fog: 10

01950s51960s51970s101980s901990s2002000s3172010s1472020s

Recorded events in Calvert County by decade and hazard group. HailTornadoFloodWindWinterTropicalHeatColdDroughtLightningFogOther NCEI recorded only tornadoes, hail and thunderstorm wind before 1996.

Trend: 533 events in the 20 years to 2025 against 209 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.

Events by type

Wind339

Winter108

Heat72

Flood63

Hail49

Fog45

Cold33

Tornado19

Other16

Drought12

Lightning10

Tropical8

Hazard	Events	Deaths	Share of state's events
■ Wind	339	—	3.5%	detail
■ Winter	108	1	2.4%	detail
■ Heat	72	1	5.6%
■ Flood	63	—	1.8%	detail
■ Hail	49	—	3.1%	detail
■ Fog	45	—	4.1%
■ Cold	33	—	3.3%
■ Tornado	19	2	4.3%	detail
■ Other	16	—	2.0%
■ Drought	12	—	2.7%
■ Lightning	10	1	3.2%
■ Tropical	8	—	5.6%

Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.

Largest recorded events

Date	Event type	Group	Magnitude	Property damage	Crop damage	Deaths	Injuries	Geography
28 Apr 2002	Tornado	Tornado	F2	$10M	—	2	—	County
7 Jan 1996	Blizzard	Winter	—	$10K	—	—	150	Forecast zone
3 Jul 2000	Lightning	Lightning	—	—	—	1	—	County
4 Dec 2003	Winter Weather	Winter	—	—	—	1	—	Forecast zone
18 Jul 2006	Heat	Heat	—	—	—	1	—	Forecast zone
4 Jul 1999	Heat	Heat	—	—	—	—	5	Forecast zone
11 May 2008	High Wind	Wind	58 mph	$100K	—	—	2	Forecast zone
1 Aug 2011	Thunderstorm Wind	Wind	70 mph	$100K	—	—	2	County
18 Sep 2003	Tropical Storm	Tropical	—	$13M	$10K	—	—	Forecast zone
29 Oct 2012	High Wind	Wind	64 mph	$813K	—	—	1	Forecast zone
5 Sep 1979	Tornado	Tornado	F1	$250K	—	—	1	County
13 May 2000	Tornado	Tornado	F1	$20K	—	—	1	County
2 Jun 2000	Lightning	Lightning	—	—	—	—	1	County
27 Aug 2011	Tropical Storm	Tropical	—	$1.8M	—	—	—	Forecast zone
1 Nov 1998	Drought	Drought	—	—	$1.7M	—	—	Forecast zone
6 Sep 1996	Storm Surge/Tide	Tropical	—	$750K	—	—	—	County
4 Aug 2020	Tropical Storm	Tropical	—	$750K	—	—	—	Forecast zone
1 Nov 1994	Thunderstorm Wind	Wind	0 mph	$500K	—	—	—	County
16 Sep 1999	Flash Flood	Flood	—	$500K	—	—	—	County
4 Jun 2008	Tornado	Tornado	EF0	$400K	—	—	—	County

Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.

Federal disaster declarations

Declared	Number	Type	Incident	Title	Programs
24 Jan 2026	EM-3634	Emergency	Winter Storm	Severe Winter Storm	Public assistance
4 Feb 2021	DR-4583	Major disaster	Hurricane	Tropical Storm Isaias	Public assistance
26 Mar 2020	DR-4491	Major disaster	Biological	Covid-19 Pandemic	Individual assistance, Public assistance
13 Mar 2020	EM-3430	Emergency	Biological	Covid-19	Public assistance
4 Mar 2016	DR-4261	Major disaster	Snowstorm	Severe Winter Storm And Snowstorm	Public assistance
20 Nov 2012	DR-4091	Major disaster	Hurricane	Hurricane Sandy	Public assistance
28 Oct 2012	EM-3349	Emergency	Hurricane	Hurricane Sandy	Public assistance
2 Aug 2012	DR-4075	Major disaster	Severe Storm	Severe Storms And Straight-Line Winds	Public assistance
16 Sep 2011	DR-4034	Major disaster	Hurricane	Hurricane Irene	Public assistance
27 Aug 2011	EM-3335	Emergency	Hurricane	Hurricane Irene	Public assistance
6 May 2010	DR-1910	Major disaster	Snowstorm	Severe Winter Storms And Snowstorms	Public assistance
13 Sep 2005	EM-3251	Emergency	Hurricane	Hurricane Katrina Evacuation	Public assistance
19 Sep 2003	DR-1492	Major disaster	Hurricane	Hurricane Isabel	Individual assistance, Public assistance
14 Mar 2003	EM-3179	Emergency	Severe Storm	Snow	Public assistance
1 May 2002	DR-1409	Major disaster	Tornado	Tornado	Individual assistance, Public assistance
10 Apr 2000	DR-1324	Major disaster	Severe Storm	Severe Winter Storm	Public assistance
24 Sep 1999	DR-1303	Major disaster	Hurricane	Hurricane Floyd Major Disaster Declarations	Individual assistance, Public assistance
11 Jan 1996	DR-1081	Major disaster	Snowstorm	Blizzard Of 96 (Severe Snow Storm)	Public assistance
16 Mar 1994	DR-1016	Major disaster	Snowstorm	Severe Winter Weather And Ice Storms	Public assistance
16 Mar 1993	EM-3100	Emergency	Snowstorm	Severe Snowfall & Winter Storm	Public assistance
14 Sep 1979	DR-601	Major disaster	Severe Storm	Severe Storms, Tornadoes & Flooding	Individual assistance
26 Jan 1977	DR-524	Major disaster	Snowstorm	Ice Conditions	Individual assistance
4 Oct 1975	DR-489	Major disaster	Flood	Heavy Rains & Flooding	Individual assistance, Public assistance
23 Jun 1972	DR-341	Major disaster	Flood	Tropical Storm Agnes	Individual assistance, Public assistance

Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.

Flood insurance claims

197820022026

NFIP claims by year of loss in Calvert County, 1978 to 2026 (hover for the amount paid).

Claims since 1978559

Paid claims428

Total paid$9.6M

Average paid claim$22K

Repetitive-loss properties471 severe

Residential policies in force6992.0% of 35,014 structures

Year of loss	Claims	Paid claims	Amount paid	Average paid
2025	1	1	$16,198	$16,198
2024	4	4	$51,326	$12,831
2023	2	2	$16,648	$8,324
2022	2	1	$8,823	$8,823
2021	33	24	$406,161	$16,923
2020	14	8	$293,578	$36,697
2019	5	2	$49,263	$24,631
2018	8	7	$58,273	$8,325
2017	1	0	$0	—
2016	3	3	$11,964	$3,988
2015	5	1	$440	$440
2014	3	0	$0	—
2013	1	1	$32,079	$32,079
2012	5	2	$3,185	$1,592
2011	12	5	$33,239	$6,648
2010	8	2	$7,525	$3,763
2009	14	11	$45,275	$4,116
2008	15	13	$123,294	$9,484
2006	31	29	$342,706	$11,817
2005	1	1	$9,640	$9,640
2004	5	1	$30,000	$30,000
2003	246	210	$7,064,047	$33,638
2002	2	1	$6,029	$6,029
2001	1	1	$4,985	$4,985
1999	15	10	$68,449	$6,845

OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).

National Risk Index

Overall riskVery Lowscore 28.9 of 100

Expected annual loss$16MRelatively Low

Social vulnerabilityVery Low

Community resilienceVery High

Hazard (NRI)	Risk rating	Expected annual loss
Inland flooding	Very Low	$5,723,510
Hurricane	Relatively Moderate	$4,003,218
Heat wave	Relatively Low	$1,450,748
Strong wind	Relatively Low	$894,226
Coastal flooding	Relatively Low	$754,466
Drought	Relatively Moderate	$725,305
Cold wave	Relatively Low	$603,175
Lightning	Relatively Moderate	$559,368
Earthquake	Very Low	$467,253
Tornado	Very Low	$314,831
Hail	Very Low	$182,841
Winter weather	Relatively Low	$120,618
Wildfire	Very Low	$91,429
Ice storm	Relatively Low	$87,620
Landslide	Relatively Low	$9,277

FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.

Hurricane and tropical storm passes

Tracks within 100 miles52

Tracks within 50 miles16

Hurricane strength within 50 miles1

Storm	Year	Closest approach	Max wind while within 100 mi
Elsa	2021	56 mi	58 mph
Isaias	2020	59 mi	69 mph
Andrea	2013	80 mi	46 mph
Sandy	2012	97 mi	63 mph
Irene	2011	88 mi	75 mph
Hanna	2008	51 mi	52 mph
Ernesto	2006	24 mi	46 mph
Gaston	2004	91 mi	40 mph
Floyd	1999	76 mi	69 mph
Bertha	1996	28 mi	69 mph
Danielle	1992	53 mi	63 mph
Dean	1983	81 mi	46 mph
Doria	1971	67 mi	58 mph
Unnamed Atlantic storm	1963	29 mi	46 mph
Unnamed Atlantic storm	1961	68 mi	58 mph
Brenda	1960	68 mi	58 mph
Connie	1955	40 mi	69 mph
Diane	1955	77 mi	46 mph
Able	1952	74 mi	58 mph
Unnamed Atlantic storm	1949	90 mi	58 mph
Unnamed Atlantic storm	1945	30 mi	40 mph
Unnamed Atlantic storm	1944	18 mi	40 mph
Unnamed Atlantic storm	1944	84 mi	46 mph
Unnamed Atlantic storm	1943	4 mi	63 mph
Unnamed Atlantic storm	1934	66 mi	46 mph

HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.

ZIP codes with flood claims

20657 135
20714 131
20732 101
20639 56
20685 51
20678 24
20615 22
20688 21
20736 12
20676 9

ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.

Questions and answers

How often does it hail in Calvert County, MD?

NCEI records 49 hail events in Calvert County since 1950, in 23 different years; that is about 0.6 recorded events a year. 9 reports were golf-ball size (1.75 in) or larger.

Has Calvert County had a tornado?

Yes. NCEI records 19 tornadoes in Calvert County since 1950, 3 of them rated (E)F2 or stronger. Tornado deaths recorded: 2.

When was the last federal disaster declaration for Calvert County?

24 Jan 2026: Severe Winter Storm, a emergency declaration for winter storm. The county appears in 24 declarations since 1953.

How many flood insurance claims have been filed in Calvert County, and how much was paid?

559 NFIP claims since 1978, 428 of them paid, for $9.6M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.

Is Calvert County in the National Risk Index's high-risk band?

FEMA's National Risk Index (December 2025) rates the county "Very Low" for overall risk, "Relatively Low" for expected annual loss, "Very Low" for social vulnerability and "Very High" for community resilience. These ratings are FEMA's relative comparison across all US counties.

How does Calvert County compare with the rest of Maryland?

363.1 recorded events per 100 square miles against 257.5 statewide, and 6.0 NFIP claims per 1,000 residents against 4.1. The comparison table on this page shows each measure beside the state and national figures.

Provenance

Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.