Talbot County, Maryland: hazard risk
FEMA rates Talbot County's overall risk Very Low (score 42.4 of 100, higher than 42% of rated U.S. counties). Its storm record holds 814 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Drought | Relatively Moderate | 85.8 | $1.2M |
| Hurricane | Relatively Moderate | 83.2 | $3.0M |
| Heat Wave | Relatively Moderate | 81.7 | $1.6M |
| Coastal Flooding | Relatively Moderate | 70.6 | $1.1M |
| Lightning | Relatively Moderate | 64.0 | $381K |
| Wildfire | Relatively Low | 71.2 | $182K |
| Winter Weather | Relatively Low | 57.3 | $81K |
| Strong Wind | Relatively Low | 47.2 | $489K |
| Ice Storm | Relatively Low | 43.5 | $61K |
| Cold Wave | Relatively Low | 41.0 | $662K |
| Tornado | Relatively Low | 31.6 | $541K |
| Earthquake | Very Low | 58.5 | $405K |
| Riverine Flooding | Very Low | 28.0 | $3.2M |
| Landslide | Very Low | 16.8 | $75 |
| Hail | Very Low | 16.6 | $56K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 203 | 0 | $288K | 10th of 23 | 165th of 3,080 |
| Winter storms | 133 | 2 | $642K | 7th of 23 | 117th of 3,077 |
| High wind and dust storms | 114 | 0 | $572K | 1st of 23 | 28th of 3,080 |
| Heat | 82 | 2 | – | 2nd of 23 | 26th of 3,076 |
| Heavy rain | 60 | 0 | – | 1st of 23 | 16th of 3,080 |
| Drought | 59 | 0 | – | 2nd of 23 | 30th of 3,063 |
| Floods | 35 | 0 | $9.5M | 17th of 23 | 606th of 3,080 |
| Extreme cold | 26 | 0 | – | 10th of 23 | 167th of 3,076 |
| Hail | 24 | 0 | – | 14th of 23 | 2012th of 3,080 |
| Lightning | 20 | 0 | $2.2M | 2nd of 23 | 56th of 3,080 |
| Hurricanes and tropical storms | 6 | 0 | $1.9M | 8th of 23 | 341st of 1,849 |
| Tornadoes | 5 | 0 | $473K | 20th of 23 | 2086th of 3,080 |
| Rip currents and high surf | 3 | 0 | – | 2nd of 23 | 101st of 2,080 |
| Wildfires | 2 | 0 | – | 2nd of 23 | 369th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Talbot County record: every hazard by year and month, the deadliest events and FEMA's declarations.