Ranked from FEMA National Risk Index
Highest Expected Disaster Loss per Household in Maryland
FEMA publishes an expected annual loss for every county, but the raw figure tracks how much there is to lose, so a national list of it is really a list of large metros. Dividing by occupied housing units gives the number an individual owner can use. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there. It is an actuarial average, not a forecast for any one year.
Maryland ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Somerset County | $2,043 | Relatively Low | $164,300 |
| 2 | Dorchester County | $1,177 | Relatively Low | $252,300 |
| 3 | Worcester County | $1,070 | Relatively Low | $348,100 |
| 4 | Caroline County | $1,030 | Relatively Low | $272,400 |
| 5 | Kent County | $996 | Very Low | $307,100 |
| 6 | Talbot County | $795 | Very Low | $398,300 |
| 7 | Queen Anne's County | $647 | Very Low | $441,800 |
| 8 | Wicomico County | $602 | Relatively Low | $238,900 |
| 9 | Cecil County | $578 | Relatively Low | $311,800 |
| 10 | Allegany County | $547 | Relatively Low | $149,200 |
| 11 | Baltimore city | $544 | Relatively High | $219,300 |
| 12 | St. Mary's County | $538 | Very Low | $390,900 |
| 13 | Harford County | $512 | Relatively Low | $367,300 |
| 14 | Carroll County | $509 | Relatively Low | $406,400 |
| 15 | Frederick County | $490 | Relatively Low | $437,700 |
| 16 | Calvert County | $477 | Very Low | $440,200 |
| 17 | Baltimore County | $476 | Relatively Moderate | $330,000 |
| 18 | Garrett County | $463 | Very Low | $217,000 |
| 19 | Washington County | $452 | Relatively Low | $275,900 |
| 20 | Howard County | $433 | Relatively Low | $576,700 |
| 21 | Charles County | $374 | Relatively Low | $402,300 |
| 22 | Prince George's County | $353 | Relatively Moderate | $404,300 |
| 23 | Anne Arundel County | $334 | Relatively Moderate | $450,300 |
| 24 | Montgomery County | $326 | Relatively Moderate | $615,200 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Maryland