Property Atlas

County hazard profile

Calvert, MD

Maryland · pop. 92,747 · FIPS 24009

Very Low
FEMA risk rating · RATING
Hurricane
dominant hazard
$16M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Calvert $16M

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 indexVery Low 28.91/100
national median ~50 lower than most counties (29th percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 93.77/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Calvert

The National Flood Insurance Program has paid 559 flood-insurance claims totaling $9.6M in Calvert since 1978. The costliest year was 2003 ($7.1M paid).

Flood-insurance dollars paid by year of loss

1978: $1,351 paid 1979: $106,606 paid 1981: $2,238 paid 1982: $407 paid 1983: $2,607 paid 1984: $9,030 paid 1985: $184,279 paid 1989: $50,263 paid 1991: $1,175 paid 1993: $7,587 paid 1994: $4,581 paid 1995: $131,568 paid 1996: $351,547 paid 1997: $5,560 paid 1998: $51,261 paid 1999: $68,449 paid 2001: $4,985 paid 2002: $6,029 paid 2003: $7,064,047 paid 2004: $30,000 paid 2005: $9,640 paid 2006: $342,706 paid 2008: $123,294 paid 2009: $45,275 paid 2010: $7,525 paid 2011: $33,239 paid 2012: $3,185 paid 2013: $32,079 paid 2014: $0 paid 2015: $440 paid 2016: $11,964 paid 2017: $0 paid 2018: $58,273 paid 2019: $49,263 paid 2020: $293,578 paid 2021: $406,161 paid 2022: $8,823 paid 2023: $16,648 paid 2024: $51,326 paid 2025: $16,198 paid 2003 · $7.1M 1978 2025
$9.6M
total paid
$17,161
average claim
$368K
largest single claim
74%
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 Calvert, MD and where it ranks among U.S. counties. It is not a verdict on whether Calvert 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.