Highest climate-risk ZIP codes in Maryland
Top 23 highest FEMA NRI climate-risk counties in Maryland (one representative ZIP per county). #1 is 21234 (Carney) at score 95.0. Compare hazard exposure on US5.
FEMA’s National Risk Index is published at the county level on US5, so every ZIP in the same county shares the same composite score. This board shows one representative ZIP per county (the most populous code in that county) ranked by NRI — a relative signal of natural-hazard exposure for planning and insurance context.
Highest county scores on this board: Baltimore County (21234) at 95.0; Prince George's County (20744) at 93.2; Montgomery County (20906) at 91.7.
Open a representative ZIP for flood, wildfire, and hurricane component scores, plus a plain-language risk summary.
Open any ZIP for a full demographics, income, and housing profile, or return to the Maryland state page for the complete ZIP table.
Ranked counties (representative ZIP)
FEMA NRI is county-level data. Each row shows the most populous ZIP in that county as a representative entry.
| # | ZIP | City | County | NRI risk score | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 21234 | Carney | Baltimore County | 95.0 | 65,010 | $83,139 | $276,000 |
| 2 | 20744 | Fort Washington | Prince George's County | 93.2 | 56,236 | $124,838 | $418,100 |
| 3 | 20906 | Aspen Hill | Montgomery County | 91.7 | 71,216 | $92,964 | $440,600 |
| 4 | 21122 | Lake Shore | Anne Arundel County | 81.9 | 61,589 | $121,732 | $412,100 |
| 5 | 21702 | Frederick | Frederick County | 74.2 | 47,437 | $104,659 | $384,800 |
| 6 | 21014 | Bel Air North | Harford County | 72.5 | 37,976 | $113,825 | $407,800 |
| 7 | 21043 | Ellicott City | Howard County | 72.4 | 47,134 | $141,846 | $607,300 |
| 8 | 21740 | Hagerstown | Washington County | 68.8 | 63,140 | $59,410 | $241,600 |
| 9 | 21811 | Ocean Pines | Worcester County | 68.2 | 24,263 | $91,293 | $362,500 |
| 10 | 21804 | Salisbury | Wicomico County | 60.8 | 39,461 | $68,882 | $230,200 |
| 11 | 21853 | Mount Vernon | Somerset County | 59.6 | 11,161 | $51,710 | $167,000 |
| 12 | 21157 | Westminster | Carroll County | 59.5 | 40,191 | $102,835 | $394,100 |
| 13 | 21921 | Elkton | Cecil County | 58.6 | 45,698 | $84,608 | $296,000 |
| 14 | 21502 | Cumberland | Allegany County | 58.5 | 41,810 | $58,721 | $151,400 |
| 15 | 21613 | Cambridge | Dorchester County | 53.8 | 18,167 | $53,171 | $279,700 |
| 16 | 21629 | Denton | Caroline County | 45.7 | 10,285 | $70,117 | $293,700 |
| 17 | 20603 | Bensville | Charles County | 44.1 | 32,649 | $137,138 | $430,700 |
| 18 | 20653 | Lexington Park | St. Mary's County | 42.6 | 26,799 | $97,923 | $341,900 |
| 19 | 21601 | Easton | Talbot County | 42.4 | 24,095 | $81,837 | $370,300 |
| 20 | 21666 | Stevensville | Queen Anne's County | 35.6 | 14,205 | $130,426 | $478,500 |
| 21 | 20657 | Chesapeake Ranch Estates | Calvert County | 28.9 | 20,519 | $117,776 | $317,600 |
| 22 | 21620 | Fairlee | Kent County | 27.5 | 13,533 | $76,094 | $318,700 |
| 23 | 21550 | Oakland | Garrett County | 16.0 | 13,469 | $65,302 | $210,300 |
Frequently asked questions
Which areas in Maryland have the highest climate or disaster risk?
FEMA NRI scores are county-level on US5. Baltimore County ranks near the top at 95.0 (representative ZIP 21234). Higher scores indicate greater relative natural-hazard exposure.
How does US5 rank ZIP codes in Maryland?
We rank one representative ZIP per county (highest population in the county) by FEMA NRI composite score from high to low. NRI is county-level data, so all ZIPs in a county share the same score.
Where can I explore all ZIP codes in Maryland?
Visit the Maryland state page for the full ZIP table, demographics summary, and sortable income/housing columns.