Photo: Scott218 · CC BY-SA 4.0FEMA expects less hazard damage per building in Ilchester than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Ilchester gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns, #44 of 261 in Maryland. Most of that expected damage is river and rain flooding (77%), then hurricanes (10%). Flood insurance has paid 1 claim 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 Ilchester 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
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 Ilchester’s grade
River and rain flooding is 77% of the building damage FEMA expects in Ilchester, and Ilchester’s rate of river and rain flooding damage is lower than 91% of U.S. census tracts. Next is hurricanes at 10% (higher than 68% of U.S. census tracts).
A+ #44 of 261 in Maryland; among the lowest expected damage per building of U.S. towns (21,298).
Ilchester’s residents live in 5 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, Ilchester has less expected damage per building than 83% of Maryland towns.
In dollars, FEMA expects about $3.4M a year in losses across Ilchester: $2.2M to buildings, the rest to people and crops.
Does Ilchester flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in Ilchester, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Ilchester isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Howard County.The storms Ilchester remembers
None of the 18 disasters declared for Howard County shows FEMA aid or repair money reaching Ilchester itself in FEMA’s records, so these are its biggest flood-claim years.
- 19791 flood claims paidNo declaration for the county that year
Howard County has had 18 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Ilchester after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ilchester archive →Ilchester and its neighbors
Ilchester is 4th of the 6 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 |
|---|---|---|---|
| Elkridge | A+among the lowest damage | river and rain flooding | 9 |
| Columbia | A+among the lowest damage | river and rain flooding | 25 |
| Catonsville | A+among the lowest damage | river and rain flooding | 45 |
| Ilchester | A+among the lowest damage | river and rain flooding | 1 |
| Ellicott City | A+among the lowest damage | river and rain flooding | 212 |
| Arbutus | A+less damage than 98% | river and rain flooding | 40 |
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 Ilchester 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.
- 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 Ilchester
Is Ilchester at risk for natural disasters?
On FEMA’s National Risk Index, Ilchester has among the lowest expected damage per building of U.S. towns: A+ for hazard risk, #44 of 261 in Maryland. Most of the expected damage is river and rain flooding (77%) and hurricanes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Ilchester flood?
Flood insurance has paid 1 claim in Ilchester since 1979, $27K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Ilchester 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 Howard County, 94% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Ilchester?
FEMA’s Community Rating System list shows no discount for Ilchester’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ilchester at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Ilchester’s rate for it is lower than 91% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ilchester.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ilchester’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.