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.
- Coastal Flooding$5.8M37%
- Hurricane$3.5M22%
- Inland Flooding$2.3M15%
- Drought$887K6%
- Cold Wave$687K4%
- Heat Wave$587K4%
- Wildfire$517K3%
- Tornado$477K3%
Of the $15.7M total: buildings $10.8M, people $2.1M, agriculture $2.7M.
All 18 hazards FEMA scores
| Hazard | Expected annual loss | Loss rating | Risk rating | Events on record |
|---|---|---|---|---|
| Coastal Flooding | $5.8M | Relatively High | Relatively High | — |
| Hurricane | $3.48M | Relatively Moderate | Relatively Moderate | 52 |
| Inland Flooding | $2.29M | Very Low | Very Low | 19 |
| Drought | $887K | Relatively Moderate | Relatively Moderate | 91 |
| Cold Wave | $687K | Relatively Low | Relatively Low | 20 |
| Heat Wave | $587K | Relatively Low | Relatively Low | 64 |
| Wildfire | $517K | Relatively Low | Relatively Low | — |
| Tornado | $477K | Relatively Low | Relatively Low | 12 |
| Strong Wind | $409K | Relatively Low | Relatively Low | 98 |
| Earthquake | $289K | Relatively Low | Very Low | — |
| Lightning | $126K | Relatively Low | Relatively Low | — |
| Ice Storm | $62K | Relatively Low | Relatively Low | 21 |
| Winter Weather | $48K | Relatively Low | Relatively Low | 113 |
| Hail | $22K | Very Low | Very Low | 82 |
| Landslide | $28 | Very Low | Very Low | — |
| Avalanche | — | Not Applicable | Not Applicable | — |
| Tsunami | — | Insufficient Data | Insufficient Data | — |
| Volcanic Activity | — | Not Applicable | Not 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
| FY | Project | Recipient | Federal share | Status |
|---|---|---|---|---|
| 2020 | Feasibility, Engineering and Design Studies; Shoreline Stabilization (Riprap, etc.); Stormwater Management - Flapgates/FloodgatesHMGP · DR-4491-0038-R | Cambridge | $1.53M | Approved |
| 2020 | Public Awareness and Education (Brochures, Workshops, Videos, etc.)HMGP · DR-4491-0034-F | Cambridge | $540K | Approved |
| 2019 | Elevation of Private Structures - RiverineBRIC · PDMC-PJ-03-MD-2019-008 | Dorchester County Department of Emergency Services/Emergency Management | $69K | Obligated |
| 2019 | Advance Assistance (FMA and PDMC)FMA · FMA-PL-03-MD-2019-003 | City of Cambridge | $188K | Closed |
| 2019 | Advance Assistance (FMA and PDMC)BRIC · PDMC-PL-03-MD-2019-012 | Dorchester County Department of Emergency Services/Emergency Management | $38K | Obligated |
| 2019 | Local Multihazard Mitigation PlanBRIC · PDMC-PL-03-MD-2019-001 | Dorchester County Department of Emergency Services/Emergency Management | $25K | Closed |
| 2019 | Local Multihazard Mitigation PlanFMA · FMA-PL-03-MD-2019-001 | Dorchester County Department of Emergency Services/Emergency Management | $23K | Closed |
| 2015 | Local Multihazard Mitigation PlanPDM · PDMC-PL-03-MD-2015-002 | Dorchester County | $21K | Closed |
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
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)
Working on resilience in Dorchester County?
Council Fire helps local governments and their partners turn risk data like this into plans and projects their communities support.