Photo: Wikipedian1234 · CC BY-SA 3.0Storms, floods and disasters in Oxford
Oxford isn’t graded for hazard risk: Oxford has 706 residents; we grade towns of 1,000 or more. Flood insurance has paid 165 claims here since 1979.
What Oxford 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.
Does Oxford flood? Yes: 165 flood claims since 1979
Every paid claim on a federal flood insurance policy in Oxford, from FEMA’s records.
- Hurricane Isabel99 claims · $2.7M
- Hurricane Fran15 claims · $180K
- Hurricane Floyd2 claims · $14K
Oxford is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Talbot County.5 federal disasters brought FEMA money to Oxford
Disasters that paid out in Oxford itself (aid to households or repair grants to the Town of Oxford), newest first, with that year’s flood claims.
- 2012Hurricane Sandy$31K to the Town of Oxford for repairs1 flood claim paid for it, $9K
- 2011Hurricane Irene$11K to the Town of Oxford for repairs2 flood claims paid for it, $13K
- 2010Severe Winter Storms and Snowstorms$8K to the Town of Oxford for repairs3 flood claims paid that year
- 2009Severe Winter Storm and Snowstorm$3K to the Town of Oxford for repairs
- 2003Hurricane Isabel101 households applied for aid$258K aid approved$15K to the Town of Oxford for repairs99 flood claims paid for it, $2.7M
Talbot County has had 15 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 Oxford after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oxford archive →Get ready for what Oxford 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.
- Oxford residents get 15% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Oxford
Does Oxford flood?
Flood insurance has paid 165 claims in Oxford since 1979, $4.2M in all. 18 properties have flooded more than once. The most claims came from Hurricane Isabel (99).
Is Oxford 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 Talbot County, 99% of homes in mapped flood zones carry federal flood insurance, and 9.7% of all homes do.
How much is flood insurance in Oxford?
Oxford is in FEMA’s Community Rating System (class 7), which takes 15% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Oxford?
By FEMA money that reached Oxford, Hurricane Isabel (2003): 101 households applied for aid, $258K approved, and $15K to the Town of Oxford for repairs. By flood claims, Hurricane Isabel: 99 paid, $2.7M.
Storm stories
Memories, warnings and help from neighbors in Oxford.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oxford’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.