Natural hazards · Joppatowne

Joppatowne, MD natural hazards

Most of the natural-hazard damage FEMA expects in Joppatowne comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 21 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Joppatowne?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Joppatowne to be higher than in 8% of U.S. communities, mostly from inland flooding.

Inland flooding52%Heat waves14%Cold waves9%Hurricanes8%Everything else17%

By hazard

What Joppatowne faces

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

Inland flooding

52% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about 3 times a year in the area

Heat waves

14% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about 6 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

8% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 10 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Joppatowne flood?

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

21paid claims since 1978

$253Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Isabel: 10 claims, $195K
Hurricane Fran: 5 claims, $28K
Hurricane Irene: 1 claim, $9K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harford County.

Disasters that hit Joppatowne

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Joppatowne itself: aid to households, or repair grants to Joppatowne.

Brought FEMA money into JoppatowneDeclared for Harford County only

2003

Hurricane Isabel

1 household applied for aid

Harford County has had 16 natural disasters declared since 1953, most often winter storms and hurricanes.

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. Joppatowne covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Joppatowne’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Joppatowne. 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 Joppatowne total about $1.6M 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.