Property Atlas

County hazard profile

Baltimore, MD

Maryland · pop. 854,450 · FIPS 24005

Relatively Moderate
FEMA risk rating · RATING
Winter Weather
dominant hazard
$157M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (49th percentile)

national median $15M/yr Baltimore $157M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 93.99/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 32.03/100
national median ~50 lower than most counties (32nd percentile)
Community resilienceVery High 87.5/100
national median ~50 higher than 88% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Baltimore

The National Flood Insurance Program has paid 3,365 flood-insurance claims totaling $70.3M in Baltimore since 1978. The costliest year was 2003 ($50.6M paid).

Flood-insurance dollars paid by year of loss

1978: $83,857 paid 1979: $3,860,524 paid 1980: $13,967 paid 1981: $45,927 paid 1982: $3,369 paid 1983: $13,827 paid 1984: $1,143,677 paid 1985: $326,624 paid 1986: $7,172 paid 1987: $19,751 paid 1988: $19,520 paid 1989: $863,663 paid 1990: $14,538 paid 1991: $41,103 paid 1992: $11,779 paid 1993: $224,878 paid 1994: $357,646 paid 1996: $1,035,160 paid 1997: $0 paid 1998: $13,984 paid 1999: $435,776 paid 2000: $0 paid 2001: $610 paid 2002: $0 paid 2003: $50,648,846 paid 2004: $1,012,713 paid 2005: $6,689 paid 2006: $333,669 paid 2007: $0 paid 2008: $259,993 paid 2009: $36,349 paid 2010: $528,495 paid 2011: $3,137,565 paid 2012: $399,186 paid 2013: $112,539 paid 2014: $724,278 paid 2015: $84,962 paid 2016: $1,257,067 paid 2017: $9,665 paid 2018: $485,944 paid 2019: $16,440 paid 2020: $58,353 paid 2021: $463,425 paid 2022: $18,153 paid 2023: $65,874 paid 2024: $2,055,946 paid 2025: $15,476 paid 2026: $0 paid 2003 · $50.6M 1978 2026
$70.3M
total paid
$20,882
average claim
$394K
largest single claim
65%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Baltimore, MD and where it ranks among U.S. counties. It is not a verdict on whether Baltimore is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.