Natural hazards · Bowleys Quarters

Bowleys Quarters, MD natural hazards

Most of the natural-hazard damage FEMA expects in Bowleys Quarters comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 85 claims here since 1978.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bowleys Quarters?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bowleys Quarters to be higher than in 26% of U.S. communities, mostly from inland flooding and heat waves.

Inland flooding44%Heat waves25%Coastal flooding14%Everything else17%

By hazard

What Bowleys Quarters faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

44% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 6 times a year in the area

Heat waves

25% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 7 times a year in the area

Coastal flooding

14% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Bowleys Quarters flood?

Every paid claim on a federal flood insurance policy in Bowleys Quarters, from FEMA’s records.

85paid claims since 1978

$3.4Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Isabel: 60 claims, $3.2M
Hurricane Fran: 4 claims, $14K
Hurricane Debby: 1 claim, $25K

of all homes
are insured

No community discount. Bowleys Quarters isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Baltimore County.

Disasters that hit Bowleys Quarters

Federal disasters declared here

None of the disasters declared for Baltimore County shows FEMA aid or repair money reaching Bowleys Quarters itself in FEMA’s records.

Brought FEMA money into Bowleys QuartersDeclared for Baltimore County only

Baltimore County has had 20 natural disasters declared since 1953, most often winter storms and floods.

Around Bowleys Quarters

Bowleys Quarters and the towns around it

Very lowLowModerateHighVery high

Bowleys Quartersmostly inland floodingLow

Essexmostly heat wavesVery low

Middle Rivermostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bowleys Quarters covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bowleys Quarters’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Bowleys Quarters. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Bowleys Quarters total about $1.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.