Risk Index · Baltimore County · 2026-06-13
Baltimore, MD real-estate risk
- Risk score
- 95/100
- Relatively High
- Expected annual loss
- $136M
- all hazards, county-wide
- Buildings-only loss
- $70M
- what owners and insurers carry
- Population
- 586K
- Baltimore County
Baltimore, MD (Baltimore County) carries a FEMA National Risk Index score of 95/100, rated "Relatively High" and driven mainly by heat wave and strong wind, with roughly $136M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave99.4
- Strong wind96.2
- Tornado95.4
- Riverine flood94.3
- Earthquake93
- Hurricane92.3
- Hail88.2
- Coastal flood64
- Wildfire24
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Baltimore risk questions
Is Baltimore, MD a high-risk area for real estate?
Baltimore scores 95/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $136M per year.
What is the biggest natural hazard in Baltimore?
The highest-rated hazard is heat wave (99.4/100), followed by strong wind (96.2/100).
How does hazard risk affect property insurance in Baltimore?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.