Templeville is calmer than 70% of U.S. communities
Most of the natural-hazard damage FEMA expects in Templeville comes from hurricanes, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.
What stands out about Templeville’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Templeville?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 30% of U.S. communities, mostly from hurricanes and drought.
Rated higher than 437 of the 536 Maryland towns we cover.
Templeville is smaller than a census tract, so it shares the figures of the tract around its center.
Does Templeville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Templeville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Templeville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Caroline County.What Templeville faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Hurricanes
Drought
Inland flooding
Strong wind
Cold waves
1 federal disaster brought FEMA money to Templeville
Disasters that paid out in Templeville itself (aid to households or repair grants to the Town of Templeville) and its biggest flood years.
- 2003Hurricane Isabel1 household applied for aid$923 aid approved
Caroline County has had 17 natural disasters declared since 1953, most often winter storms and hurricanes.
Old photos of Templeville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Templeville archive →Get ready for what Templeville actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- On a well? Know how deep it is and watch for sputtering.
- Follow the town’s watering limits.
- Fix drips: they add up.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in January–February
The month each of Caroline County’s 17 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Templeville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Templeville.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Templeville.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.