Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Maryland
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. 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.
Maryland ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Montgomery County | $326 | Relatively Moderate | $615,200 |
| 2 | Anne Arundel County | $334 | Relatively Moderate | $450,300 |
| 3 | Prince George's County | $353 | Relatively Moderate | $404,300 |
| 4 | Charles County | $374 | Relatively Low | $402,300 |
| 5 | Howard County | $433 | Relatively Low | $576,700 |
| 6 | Washington County | $452 | Relatively Low | $275,900 |
| 7 | Garrett County | $463 | Very Low | $217,000 |
| 8 | Baltimore County | $476 | Relatively Moderate | $330,000 |
| 9 | Calvert County | $477 | Very Low | $440,200 |
| 10 | Frederick County | $490 | Relatively Low | $437,700 |
| 11 | Carroll County | $509 | Relatively Low | $406,400 |
| 12 | Harford County | $512 | Relatively Low | $367,300 |
| 13 | St. Mary's County | $538 | Very Low | $390,900 |
| 14 | Baltimore city | $544 | Relatively High | $219,300 |
| 15 | Allegany County | $547 | Relatively Low | $149,200 |
| 16 | Cecil County | $578 | Relatively Low | $311,800 |
| 17 | Wicomico County | $602 | Relatively Low | $238,900 |
| 18 | Queen Anne's County | $647 | Very Low | $441,800 |
| 19 | Talbot County | $795 | Very Low | $398,300 |
| 20 | Kent County | $996 | Very Low | $307,100 |
| 21 | Caroline County | $1,030 | Relatively Low | $272,400 |
| 22 | Worcester County | $1,070 | Relatively Low | $348,100 |
| 23 | Dorchester County | $1,177 | Relatively Low | $252,300 |
| 24 | Somerset County | $2,043 | Relatively Low | $164,300 |
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
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Maryland