Windows: impact-rated when it matters
Maryland Bay-front zones are not in the hurricane impact zones that drive Florida code, but tropical-storm-force winds and wind-driven debris are real. Marvin Coastline and Andersen 100-Series Coastal lines offer impact resistance without the cost premium of full hurricane glazing.
For exposed waterfront elevations, impact-rated windows are worth the 30–40% premium. For sheltered orientations, standard double-pane low-E performs fine.
Basement waterproofing — assume the water is coming
Older Annapolis and Bay-front homes were built before modern waterproofing. If you're finishing a basement in this region, plan around: perimeter drain to sump, dimpled membrane on basement walls, vapor barrier on floor, mold-resistant drywall, LVP or porcelain (no solid hardwood).
Backup sump pump on a battery system: $400–$800 added cost, prevents the basement flood that happens during the power outage that always seems to coincide with the storm.
Generator transfer panels
Hardwiring a generator transfer switch during electrical work costs $1,500–$3,500. Far cheaper than retrofitting later.
Panel sized for whole-home or essentials-only (refrigerator, lighting, HVAC). Pairs with portable propane generators or whole-home Generac systems.
Roof + drainage upgrades
Architectural shingles rated for 110+ mph wind: standard now, worth confirming.
Oversized gutters (6" instead of 5") and additional downspouts handle the heavier rain events that trail Bay-area storms.
Ice-and-water shield extending 6' up the roof from eaves prevents ice-dam leaks during the rare but real winter freeze-thaw cycles.
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