Waldorf, Maryland: natural disaster risk
How exposed Waldorf is to floods, storms and other hazards, from FEMA and NOAA records for Charles County.
Waldorf is a community of 82,943 people in Charles County, Maryland. FEMA's National Risk Index rates Charles County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, hurricane and heat wave, with about $22.5 million in expected losses a year across the county. The weather service has logged 693 storm reports in the county since 1957, including 28 tornadoes and 82 floods. NOAA hurricane records show 2 hurricanes and 19 tropical storms passing within 65 miles of the county's center. About 0.9% of homes in the county carry federal flood insurance.
Risk figures are for Charles County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Waldorf
Full Charles 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.
- 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.
- Check that cooling works before summer.
- Know where the nearest cooling center is.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $11M | |
| Hurricane | $2M | |
| Heat wave | $2M | |
| Strong wind | $2M | |
| Earthquake | $1M | |
| Drought | $965K | |
| Lightning | $924K | |
| Tornado | $785K | |
| Hail | $326K | |
| Cold wave | $298K | |
| Coastal flooding | $274K | |
| Winter weather | $218K |
Homes in Waldorf
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 Charles County
Common questions about Waldorf
Is Waldorf safe from natural disasters?
Waldorf is in Charles County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, hurricane, heat wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Waldorf?
By expected yearly losses in Charles County, the top hazards are inland flooding (Low), hurricane (Low), heat wave (Moderate). Charles County has been part of 22 federal disaster or emergency declarations for natural events.
Does Waldorf get tornadoes?
Yes. NOAA records list 28 tornadoes in Charles County since 1950; the strongest was an F4 tornado on April 28, 2002 near Rison. FEMA rates tornado risk in the county low.
Do I need flood insurance in Waldorf?
Standard home insurance does not cover floods. In Charles County, about 0.9% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.