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County risk profile

Dorchester County, Maryland Climate risk & resilience profile

Coastal flooding drives $5.8 million of Dorchester County’s $15.7 million in expected yearly hazard losses. Most FEMA mitigation money went to Cambridge.

Risk index
53.8/ 10054th percentile of U.S. countiesRelatively Low
Expected annual loss
$15.7M/ yr52nd percentile of U.S. countiesRelatively Low
Social vulnerability
60.6/ 10061st percentile; lower is less vulnerableRelatively High
Community resilience
97.5/ 10098th percentile; higher is more resilientVery High

Last updated: · Scores from FEMA’s National Risk Index (December 2025)

Dorchester is one of two Maryland counties where FEMA's model ranks coastal flooding as the costliest hazard, and the county's hazard plan explains why: about 56% of its land lies in the 100-year floodplain, most of it tidal. The mitigation money has followed one city. Two grants to Cambridge account for about 70% of the $2.9 million in federal share FEMA has committed in Dorchester since fiscal 2003.

What drives the risk

Coastal flooding accounts for 37% of expected losses, hurricanes for 22% and inland flooding for 15%. More than half of the county sits below 4.9 feet in elevation, and its plan says erosion and land subsidence are worst along the southern islands and that farmland in the south has turned to marsh. NOAA's tide gauge at Cambridge shows relative sea level rising about 1.6 inches a decade since 1943. Hurricane Isabel in 2003 drove a surge of more than eight feet into parts of the county, damaging the Hoopers Island bridge and 123 properties.

FEMA rates Dorchester's social vulnerability relatively high, at 60.6, putting it among four Maryland counties rated relatively high or very high. Its community resilience score of 97.5, second in the state only to Talbot County's, largely offsets that, and the overall risk rating is relatively low.

Where the mitigation money has gone

The Hazard Mitigation Grant Program supplied $2.4 million of the total, most of it under Maryland's COVID-19 declaration, whose mitigation money could address any hazard. The largest grant, $1.5 million, pays for design and permitting of the Make Cambridge Resilient flood project, a flood barrier and living shoreline along 1.6 miles of the Choptank River. FEMA has reserved $16 million for construction if it approves the final design, and a second Cambridge grant put $540 thousand into public education. Outside Cambridge, the record is mostly planning grants, a generator in Vienna and grants to elevate 11 flood-prone buildings, nine of them after Isabel.

The mitigation plan

The 2022 Dorchester County All-Hazard Mitigation Plan Update covers the county and its nine towns. FEMA approved it on January 17, 2023, and that approval runs through January 16, 2028. The update added a climate change chapter that uses Maryland's 2018 sea level projections, and its flood mitigation appendix doubles as the county's nuisance flood plan.

What we'd look at next

The Cambridge project is the county's largest mitigation effort, and it is not settled. In September the city extended the grant period through August 2028, but the design is still contested, and Delmarva Public Media reported in August that the estimated cost had risen from $16 million to $27 million. We'd use the plan update due before January 2028 to give the low-lying south county, which the plan describes as at or just above sea level, a project pipeline of its own.

Hazards ranked by expected annual loss

What FEMA expects each hazard to cost Dorchester County in an average year, in damage to buildings and crops and in the dollar value it puts on deaths and injuries. Coastal flooding leads at $5.8M a year.

  1. Coastal Flooding$5.8M37%
  2. Hurricane$3.5M22%
  3. Inland Flooding$2.3M15%
  4. Drought$887K6%
  5. Cold Wave$687K4%
  6. Heat Wave$587K4%
  7. Wildfire$517K3%
  8. Tornado$477K3%

Of the $15.7M total: buildings $10.8M, people $2.1M, agriculture $2.7M.

All 18 hazards FEMA scores
HazardExpected annual lossLoss ratingRisk ratingEvents on record
Coastal Flooding$5.8MRelatively HighRelatively High—
Hurricane$3.48MRelatively ModerateRelatively Moderate52
Inland Flooding$2.29MVery LowVery Low19
Drought$887KRelatively ModerateRelatively Moderate91
Cold Wave$687KRelatively LowRelatively Low20
Heat Wave$587KRelatively LowRelatively Low64
Wildfire$517KRelatively LowRelatively Low—
Tornado$477KRelatively LowRelatively Low12
Strong Wind$409KRelatively LowRelatively Low98
Earthquake$289KRelatively LowVery Low—
Lightning$126KRelatively LowRelatively Low—
Ice Storm$62KRelatively LowRelatively Low21
Winter Weather$48KRelatively LowRelatively Low113
Hail$22KVery LowVery Low82
Landslide$28Very LowVery Low—
Avalanche—Not ApplicableNot Applicable—
Tsunami—Insufficient DataInsufficient Data—
Volcanic Activity—Not ApplicableNot Applicable—

FEMA hazard mitigation grants

Projects FEMA has funded in Dorchester County through its Hazard Mitigation Assistance programs, as OpenFEMA lists them. Grants to towns and cities inside the county count here; statewide grants don’t.

Funded projects
15
Federal share
$2.9M
Fiscal years
2003–2020

By program

  • HMGP · Hazard Mitigation Grant Program$2.4M · 5 projects
  • FMA · Flood Mitigation Assistance$258K · 4 projects
  • BRIC · Building Resilient Infrastructure and Communities$131K · 3 projects
  • LPDM · Legislative Pre-Disaster Mitigation$56K · 1 project
  • PDM · Pre-Disaster Mitigation$42K · 2 projects

Most recent projects

  • FY2020 · HMGP · Approved$1.53M

    Feasibility, Engineering and Design Studies; Shoreline Stabilization (Riprap, etc.); Stormwater Management - Flapgates/Floodgates

    Cambridge

  • FY2020 · HMGP · Approved$540K

    Public Awareness and Education (Brochures, Workshops, Videos, etc.)

    Cambridge

  • FY2019 · BRIC · Obligated$69K

    Elevation of Private Structures - Riverine

    Dorchester County Department of Emergency Services/Emergency Management

  • FY2019 · FMA · Closed$188K

    Advance Assistance (FMA and PDMC)

    City of Cambridge

  • FY2019 · BRIC · Obligated$38K

    Advance Assistance (FMA and PDMC)

    Dorchester County Department of Emergency Services/Emergency Management

  • FY2019 · BRIC · Closed$25K

    Local Multihazard Mitigation Plan

    Dorchester County Department of Emergency Services/Emergency Management

  • FY2019 · FMA · Closed$23K

    Local Multihazard Mitigation Plan

    Dorchester County Department of Emergency Services/Emergency Management

  • FY2015 · PDM · Closed$21K

    Local Multihazard Mitigation Plan

    Dorchester County

What the money paid for most often

  • Local Multihazard Mitigation Plan ×5
  • Elevation of Private Structures - Coastal ×2
  • Elevation of Private Structures - Riverine ×2
  • Advance Assistance (FMA and PDMC) ×2

Hazard mitigation plan

2022 Dorchester County All-Hazard Mitigation Plan Update

A multi-jurisdictional plan covering the county and its nine towns, adopted by the county in January 2023 and approved by FEMA on January 17, 2023. FEMA requires an update every five years for the county to stay eligible for its mitigation grants.

Adopted
January 2023
FEMA approval runs to
January 16, 2028

Frequently Asked Questions

Coastal flooding. FEMA’s National Risk Index puts Dorchester County’s expected losses from coastal flooding at $5.8 million a year, 37% of the county’s $15.7 million total across 18 hazards. Hurricanes ($3.5 million) and inland flooding ($2.3 million) come next. Dorchester and Somerset are the only Maryland counties where coastal flooding ranks first.
Dorchester County’s 2022 All-Hazard Mitigation Plan Update covers the county and its nine towns. FEMA approved it on January 17, 2023, and the approval runs through January 16, 2028. Its flood mitigation appendix also serves as the county’s nuisance flood plan. An approved plan keeps the county eligible for FEMA mitigation grants.
Make Cambridge Resilient is the City of Cambridge’s plan for a flood barrier and living shoreline along 1.6 miles of the Choptank River. FEMA is paying $1.5 million toward design and permitting and has reserved $16 million for construction. In September 2026 the city extended the grant period through August 2028 while the design remains under debate.

Neighboring counties

About this data

Scores. FEMA’s National Risk Index (December 2025 release) ranks every U.S. county against all the others. A score is a percentile: a risk score of 82 means a higher value than 82% of counties. The risk index is the expected annual loss scaled up for higher social vulnerability and down for stronger community resilience. FEMA groups risk and loss into five ratings by natural breaks, and vulnerability and resilience into national fifths.

Expected annual loss is FEMA’s modeled average yearly loss from 18 natural hazards to buildings (at replacement value), crops and livestock, and people, whose expected deaths and injuries FEMA converts to dollars. It is an average, not a forecast: a low-risk county can still have a bad year.

Vulnerability and resilience. Social vulnerability comes from the U.S. Census Bureau’s Community Resilience Estimates. Community resilience is FEMA’s version of the University of South Carolina’s Baseline Resilience Indicators for Communities (2020), which counts past mitigation spending among its inputs. Vulnerability scores bottom out: 334 of the 3,144 counties scored, 8 of them in Maryland, share the lowest score, 10.6. Population is the 2020 Census count.

Grants are FEMA’s Hazard Mitigation Assistance awards in Maryland that are closed, approved, obligated or awarded: the projects in OpenFEMA’s older project file, which FEMA froze on August 31, 2026, plus the grants FEMA has managed in FEMA GO since fiscal 2020, from HMA Subapplications (both retrieved September 30, 2026). Projects FEMA now lists as withdrawn or denied are left out unless money was obligated to them. Amounts are the federal share obligated. Each grant counts toward the county it serves; 103 statewide grants ($24.1M) count toward none.

FEMA describes the index as one source for risk-reduction decisions, to weigh alongside benefit-cost analysis and local knowledge.

National Risk IndexRisk Index data (OpenFEMA)HMA Subapplications (OpenFEMA)Risk Index FAQ (FEMA, PDF)

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