Caroline County, Maryland

Caroline County, Maryland has a relatively low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 54% of US counties. It ranks 17th of 24 counties in Maryland. The costliest hazards here are hurricanes, inland flooding and drought. FEMA estimates about $13 million a year in expected losses, or roughly $377 per resident. Since 1972 it has been included in 19 federal disaster or emergency declarations for natural events (13 major disasters). The most recent was in January 2026 (severe winter storm). About 1 in 91 homes here carry federal flood insurance (158 policies). Since 1978, federal flood insurance has paid about $1.4 million on 77 claims here, including $786,000 for floods in 2011.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively moderate and community resilience is relatively moderate in FEMA's measures.

The National Weather Service has logged 273 storm reports in Caroline County since 1952, with 1 death and 4 injuries and about $10.3 million in reported damage. The strongest on record here was an F1 tornado on April 18, 1978.

Source: NOAA Storm Events Database, county-based reports through Jul 28, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

Since 1856, 2 hurricanes and 24 tropical storms have passed within 65 miles of the center of Caroline County, 12 of them since 1950. The strongest was an unnamed hurricane in 1903, with top winds near 85 mph about 63 miles away.

Source: NOAA National Hurricane Center best-track records (HURDAT2), 1851 to 2025 for the Atlantic and 1949 to 2025 for the eastern Pacific. A storm counts if its track passed within 65 miles of the county's center while it was a tropical storm or hurricane. Strength is the storm's top sustained wind at that point, not the wind measured in the county. Older storms over the open sea were sometimes missed.

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 13,531 housing units.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.