Bel Air North, Maryland: natural disaster risk
How exposed Bel Air North is to floods, storms and other hazards, from FEMA and NOAA records for Harford County.
Bel Air North is a community of 31,302 people in Harford County, Maryland. FEMA's National Risk Index rates Harford County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, heat wave and hurricane, with about $51.4 million in expected losses a year across the county. The weather service has logged 959 storm reports in the county since 1959, including 23 tornadoes and 226 floods. NOAA hurricane records show 1 hurricane and 16 tropical storms passing within 65 miles of the county's center. About 0.6% of homes in the county carry federal flood insurance.
Risk figures are for Harford County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Bel Air North
Full Harford County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Check that cooling works before summer.
- Know where the nearest cooling center is.
- Know your evacuation zone and route before June 1.
- Ask about roof age, shutters and the separate wind or hurricane deductible on your home policy.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $30M | |
| Heat wave | $5M | |
| Hurricane | $4M | |
| Cold wave | $3M | |
| Earthquake | $2M | |
| Strong wind | $2M | |
| Lightning | $1M | |
| Tornado | $1M | |
| Drought | $994K | |
| Winter weather | $976K | |
| Ice storm | $180K | |
| Coastal flooding | $109K |
Homes in Bel Air North
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Harford County
More cities in Harford County
Common questions about Bel Air North
Is Bel Air North safe from natural disasters?
Bel Air North is in Harford County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, heat wave, hurricane. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Bel Air North?
By expected yearly losses in Harford County, the top hazards are inland flooding (Moderate), heat wave (Moderate), hurricane (Moderate). Harford County has been part of 18 federal disaster or emergency declarations for natural events.
Does Bel Air North get tornadoes?
Yes. NOAA records list 23 tornadoes in Harford County since 1950; the strongest was an F2 tornado on September 18, 2004 near Pylesville. FEMA rates tornado risk in the county low.
Do I need flood insurance in Bel Air North?
Standard home insurance does not cover floods. In Harford County, about 0.6% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.