Risk-assessment baseline packet. County FIPS 24041. Release 2026-10, data as of 2026-09-30.
Summary
Plan status as of 2026-09-30: Approved, expires 2027-07-31. Plan: Talbot County Hazard Mitigation Plan (FEMA plan 108295), approved 2022-08-01.
Update: FEMA tracker shows a plan in progress.
Since the plan was approved on 2022-08-01: 1 new hazard declaration (1 incident) and 77 NOAA Storm Events records; details under "What changed since your last plan".
Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($3,169,036 a year), Hurricane ($2,954,927) and Heat Wave ($1,584,428).
The packet's tables are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); the summaries below follow the same order.
What the packet contains
Sections in FEMA checklist order; each heading names the review item its tables support. Full tables are in the downloads above.
Supports FEMA checklist item B1-a Hazard identification
16 of the 18 National Risk Index hazards apply here.
Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche and volcanic activity. That is the evidence for leaving them out of the plan.
Highest expected annual loss (NRI, modeled): Inland Flooding, Hurricane and Heat Wave.
Not covered by NRI (local data needed): dam failure (incl. upstream dams); levee failure; flash flood as its own subtype; ice jams; debris flows; erosion (riverine and coastal); land subsidence and sinkholes; expansive soils.
The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.
Supports FEMA checklist item B1-b Hazard location
- Coastal Flooding and Inland Flooding: the FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.
- Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather: affects the whole county; national data give no location within it.
- Earthquake, Hurricane, Landslide, Tornado, Tsunami and Wildfire vary within the county; the packet lists the highest-rated census tracts for each.
Supports FEMA checklist item B1-c Hazard extent
Storm Events records for 15 of the 21 NOAA event-type groups mapped to the 18 hazards, with the scale, observed range and worst recorded event for each; the others say which local data are needed.
Worst recorded tornado, hail and thunderstorm wind (the three event types on record since the 1950s; the packet has every group):
- Hail: 2 in hail, 1957-08-12; same size also recorded on 1957-06-18
- Thunderstorm Wind: 90 kt (104 mph) estimated gust, Thunderstorm Wind, 2023-07-03
- Tornado: F2 tornado, 1995-05-18, 10 mi path length (whole path, pre-1996), 200 yd wide, damage not recorded (pre-1996 record)
Supports FEMA checklist item B1-d Previous occurrences
Federal declarations for this area: 20 declarations covering 15 separate hazard incidents counted in this packet; each with type, dates and county Public Assistance dollars.
New since the last plan (approved 2022-08-01): EM-3634-MD.
1 statewide declaration listed separately.
Hazards with no Storm Events record and no federal declaration are stated as such (5 of 18).
Storm Events history: 739 records (notable ones in the PDF, all of them in the Excel file).
Supports FEMA checklist item B1-e Probability of future events
FEMA annualized frequency (modeled) for each hazard, with a descriptor from a scale defined in the packet.
- Highly likely: Coastal Flooding, Hail, Lightning, Strong Wind and Winter Weather
- Likely: Cold Wave, Drought, Heat Wave, Hurricane, Inland Flooding and Tornado
- Possible: Landslide and Wildfire
- Unlikely: Earthquake
Historical frequency by intensity band (tornado, hail, wind): 9 bands from Storm Events.
Supports FEMA checklist item B1-f Hazards that vary across jurisdictions
Range of census tract risk scores within the area for 16 of the 18 hazards (10 tracts; rated tracts only).
6 jurisdictions: plan clock, repeat-flood count, Public Assistance dollars and event records naming the place (starting figures from federal data).
County Public Assistance in B1-d also includes applicants filed under the county that are not matched to a jurisdiction row here (for example county offices and boards filed under their own names, such as a sheriff's office or a conservation board, and state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.
Supports FEMA checklist items B2-a and B2-b Vulnerability and potential impacts
The packet's table gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.
Storm Events damage since 2022-08-01: $70,000 in county-coded records (58 records); $0 reported for the zone (19 zone records). Data through 2026-06-30; nominal dollars.
Local data needed
To gather:
- Critical facilities and lifelines per hazard
- A problem statement per jurisdiction per hazard
- Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
- Future assets
Supports FEMA checklist item B2-a Vulnerability (county context)
Population 37,498; building value $10,364,218,978 and agriculture value $88,228,761 (total, not at risk).
National Risk Index rating Very Low; social vulnerability Relatively Moderate; community resilience Very High.
Supports FEMA checklist item B2-c Repetitive loss properties
Repetitive-loss properties, FMA definition (44 CFR 77.2): 5 repetitive loss, 4 severe repetitive loss. NFIP insurance definition: 34 and 3.
Mitigated 2; insured 20; NFIP data as of 2026-08-02. Counts by occupancy group and for each jurisdiction are in the packet.