Property Atlas

County hazard profile

Talbot, MD

Maryland · pop. 37,498 · FIPS 24041

Very Low
FEMA risk rating · RATING
Drought
dominant hazard
$13M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Talbot $13M

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 42.37/100
national median ~50 near the national middle (42nd percentile)
Social vulnerabilityRelatively Moderate 46.85/100
national median ~50 near the national middle (47th percentile)
Community resilienceVery High 97.84/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Talbot

The National Flood Insurance Program has paid 676 flood-insurance claims totaling $14.2M in Talbot since 1978. The costliest year was 2003 ($10.3M paid).

Flood-insurance dollars paid by year of loss

1978: $594 paid 1979: $29,299 paid 1980: $2,740 paid 1983: $4,646 paid 1985: $4,887 paid 1988: $500 paid 1991: $21,780 paid 1995: $0 paid 1996: $386,095 paid 1998: $9,350 paid 1999: $29,788 paid 2000: $3,520 paid 2003: $10,275,888 paid 2004: $57,585 paid 2005: $0 paid 2006: $9,740 paid 2009: $9,202 paid 2010: $111,789 paid 2011: $87,050 paid 2012: $831,644 paid 2016: $0 paid 2017: $19,155 paid 2018: $102,579 paid 2019: $95,956 paid 2020: $54,706 paid 2021: $1,410,355 paid 2023: $258,217 paid 2024: $350,761 paid 2003 · $10.3M 1978 2024
$14.2M
total paid
$20,958
average claim
$401K
largest single claim
76%
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 Talbot, MD and where it ranks among U.S. counties. It is not a verdict on whether Talbot 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.