On FEMA’s figures, Annapolis Neck faces less hazard damage per building than 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Annapolis Neck gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns, #109 of 261 in Maryland. Most of that expected damage is river and rain flooding (55%), then coastal flooding (22%). Flood insurance has paid 226 claims here since 1979.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Annapolis Neck’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Annapolis Neck faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Coastal flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Annapolis Neck’s grade
River and rain flooding is 55% of the building damage FEMA expects in Annapolis Neck, and Annapolis Neck’s rate of river and rain flooding damage is lower than 96% of U.S. census tracts. Coastal flooding adds 22%, at a rate in the top 2% of U.S. census tracts.
A+ #109 of 261 in Maryland; lower expected damage per building than 98% of U.S. towns (21,298).
Annapolis Neck’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Maryland town has lower expected damage than 97% of U.S. towns; within the state, Annapolis Neck has less expected damage per building than 58% of Maryland towns.
In dollars, FEMA expects about $1.8M a year in losses across Annapolis Neck: $1.2M to buildings, the rest to people and crops.
Does Annapolis Neck flood? Yes: 226 flood claims since 1979
Every paid claim on a federal flood insurance policy in Annapolis Neck, from FEMA’s records: 44.5 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Isabel155 claims · $5.2M
- Hurricane Fran12 claims · $93K
- Hurricane Irene3 claims · $13K
Annapolis Neck isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Anne Arundel County.The storms Annapolis Neck remembers
None of the 19 disasters declared for Anne Arundel County shows FEMA aid or repair money reaching Annapolis Neck itself in FEMA’s records, so these are its biggest flood-claim years.
- 2003155 flood claims paidThe year of Hurricane Isabel, declared for Anne Arundel County
- 199613 flood claims paidThe year of Blizzard of 96 (severe Snow Storm), declared for Anne Arundel County
- 19858 flood claims paidNo declaration for the county that year
Anne Arundel County has had 19 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Annapolis Neck after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Annapolis Neck archive →Annapolis Neck and its neighbors
Annapolis Neck is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Parole | A+among the lowest damage | river and rain flooding | 5 |
| Annapolis | A+among the lowest damage | river and rain flooding | 127 |
| Edgewater | A+among the lowest damage | river and rain flooding | 28 |
| Annapolis Neck | A+less damage than 98% | river and rain flooding | 226 |
| Mayo | Aless damage than 95% | river and rain flooding | 19 |
| Highland Beach | — | 107 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Annapolis Neck faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- 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.
Questions about natural hazards in Annapolis Neck
Is Annapolis Neck at risk for natural disasters?
On FEMA’s National Risk Index, Annapolis Neck has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk, #109 of 261 in Maryland. Most of the expected damage is river and rain flooding (55%) and coastal flooding (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Annapolis Neck flood?
Flood insurance has paid 226 claims in Annapolis Neck since 1979, $6.1M in all, or 44.5 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. The most claims came from Hurricane Isabel (155).
Is Annapolis Neck in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Anne Arundel County, 2.5% of all homes carry federal flood insurance.
How much is flood insurance in Annapolis Neck?
FEMA’s Community Rating System list shows no discount for Annapolis Neck’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Annapolis Neck?
By flood claims, Hurricane Isabel: 155 paid, $5.2M.
Is Annapolis Neck at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (55%), and Annapolis Neck’s rate for it is lower than 96% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Annapolis Neck.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Annapolis Neck’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.