Natural disaster risk in Somerset County, Maryland
Maryland · population 24,620 · FIPS 24039
Overall: relatively low risk
Somerset County has a composite risk score of 59.6 out of 100 — higher than 59% of US counties. It ranks 12 of 24 in Maryland (1 = highest risk). Its highest-rated hazards are coastal flooding, hurricane, drought.
Drought now: No, but abnormally dry (D0)
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 99.99% of Somerset County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 52 weeks in a row.
Drought in Somerset County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Relatively low 59.6 |
| Expected annual loss About $16.9 million a year, on average, across all 18 hazards. |
Relatively low 54.8 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively high 72.1 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Very high 91.9 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Somerset County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Coastal flooding | Relatively high 93 |
| Hurricane | Relatively moderate 88 |
| Drought | Relatively moderate 66 |
| Wildfire | Relatively low 85 |
| Cold wave | Relatively low 53 |
| Ice storm | Relatively low 46 |
| Winter weather | Relatively low 38 |
| Strong wind | Relatively low 35 |
| Earthquake | Very low 38 |
| Heat wave | Very low 37 |
| Inland (riverine) flooding | Very low 24 |
| Hail | Very low 22 |
| Lightning | Very low 22 |
| Tornado | Very low 16 |
| Landslide | Very low 5 |
| Avalanche | Not applicable |
| Tsunami | Insufficient data |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Somerset County
Federal declarations that designated Somerset County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Somerset County has been named in 1 FEMA declaration since 1 Jan 2024. The latest is EM-3634-MD (Severe Winter Storm), declared 24 Jan 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| EM-3634-MD | Emergency | Severe Winter Storm | 24 Jan 2026 | No |
All FEMA declarations in Maryland, with estimated apply-by dates · Open FEMA deadlines
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Somerset County, Maryland?
FEMA's National Risk Index rates the overall risk in Somerset County as relatively low, with a score of 59.6 out of 100 (higher than 59% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Somerset County?
The hazards rated highest for Somerset County are coastal flooding (relatively high), hurricane (relatively moderate), drought (relatively moderate).
What is the flood risk in Somerset County?
FEMA rates inland (river and rain) flooding risk in Somerset County as very low, and coastal flooding risk as relatively high. For a specific property, check the FEMA flood map and your local floodplain office.
Has Somerset County had a FEMA disaster declaration?
Yes. Somerset County has been named in 1 FEMA declaration since 1 Jan 2024. The latest is EM-3634-MD (Severe Winter Storm), declared 24 Jan 2026.
Is Somerset County in a drought?
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 99.99% of Somerset County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 52 weeks in a row.
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