Naval Academy, MD Flooding & Climate Risk Profile

The primary drivers of climate-related financial risk in Naval Academy, MD are Inland Flooding, Hurricane, and Earthquake. This area also faces an unusually high intensity for Coastal Flooding compared to national averages.

City Risk Scorecard

Physical Resilience98/100

Based on FEMA EAL and hazard intensity.

Spatial Analysis

Flood Plain Analysis

Localized Flood Dynamics in Naval Academy

FEMA Flood Maps for Naval Academy identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.

FEMA Designation vs. Reality

Very Low

Relative Vulnerability

$77,605

Annualized Property Exposure

Primary Risks

Inland Flooding

$77,605

Expected Annual Loss for Naval Academy

0.9Score

Very Low compared to US average

Hurricane

$50,851

Expected Annual Loss for Naval Academy

62.1Score

Relatively Low compared to US average

Earthquake

$23,897

Expected Annual Loss for Naval Academy

35.0Score

Very Low compared to US average

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$77,605

Score: 0.9

MAJOR DRIVER

Hurricane

$50,851

Score: 62.1

MAJOR DRIVER

Earthquake

$23,897

Score: 35.0

Tornado

$17,369

Score: 23.8

UNUSUALLY HIGH

Coastal Flooding

$11,248

Score: 85.1

Strong Wind

$8,706

Score: 24.1

Heat Wave

$7,623

Score: 5.7

Hail

$7,015

Score: 41.7

Cold Wave

$3,651

Score: 18.2

Lightning

$3,262

Score: 13.2

Winter Weather

$1,747

Score: 33.3

Ice Storm

$916

Score: 6.5

Drought

$147

Score: 72.7

Wildfire

Score: 21.0

Landslide

Score: 45.2

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 62.1

🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 85.1

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.7

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.

Nearby Cities

Annapolis Annapolis Neck Arnold Cape St. Claire Edgewater

Zip Codes in Naval Academy

21401 21402