Cost
Shingles: lower upfront, typically low-to-mid five figures. Metal: 2-3x more upfront. Over 40+ years, metal can cost less (one metal roof vs two shingle replacements).
Lifespan in Maryland
Architectural shingles: 22-28 years here. Standing seam metal: 40-70 years.
Storm Performance
Both handle storms well when properly installed. Metal has a slight edge in extreme wind. Hail can dent metal cosmetically but rarely compromises it; hail can bruise shingles and shorten their life.
Energy
Metal reflects more heat. In Maryland summers, this can meaningfully reduce attic temperatures and cooling load.
Looks and HOA
Shingles suit most home styles. Metal suits modern, farmhouse, and some traditional styles. Check HOA rules — some restrict metal.
Bottom Line
Staying 20+ years? Metal is worth serious consideration. Moving in under 10? Shingles usually win on economics.