FEMA puts Peppermill Village’s expected hazard damage per building below that of 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Peppermill Village gets an A+ for hazard risk: lower expected damage per building than 95% of U.S. towns, #165 of 261 in Maryland. Most of that expected damage is river and rain flooding (77%), then hurricanes (11%). Flood insurance has paid 2 claims here since 2020.
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 Peppermill Village 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
Earthquakes
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 Peppermill Village’s grade
River and rain flooding is 77% of the building damage FEMA expects in Peppermill Village, and Peppermill Village’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Next is hurricanes at 11% (higher than 72% of U.S. census tracts).
A+ #165 of 261 in Maryland; lower expected damage per building than 95% of U.S. towns (21,298).
All of Peppermill Village’s residents live in one census tract; the figures are that tract’s.
The typical Maryland town has lower expected damage than 97% of U.S. towns; within the state, Peppermill Village has more expected damage per building than 63% of Maryland towns.
In dollars, FEMA expects about $444K a year in losses across Peppermill Village: $263K to buildings, the rest to people and crops.
Does Peppermill Village flood? Rarely: 2 flood claims since 2020
Every paid claim on a federal flood insurance policy in Peppermill Village, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.
Peppermill Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Prince George's County.The storms Peppermill Village remembers
None of the 15 disasters declared for Prince George's County shows FEMA aid or repair money reaching Peppermill Village itself in FEMA’s records, so these are its biggest flood-claim years.
- 20201 flood claims paidNo declaration for the county that year
- 20261 flood claims paidThe year of Severe Winter Storm, declared for Prince George's County
Prince George's County has had 15 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 Peppermill Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Peppermill Village archive →Peppermill Village and its neighbors
Peppermill Village is 3rd of the 3 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 |
|---|---|---|---|
| Summerfield | A+among the lowest damage | river and rain flooding | 3 |
| Seat Pleasant | A+less damage than 96% | river and rain flooding | 3 |
| Peppermill Village | A+less damage than 95% | river and rain flooding | 2 |
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 Peppermill Village 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Peppermill Village
Is Peppermill Village at risk for natural disasters?
On FEMA’s National Risk Index, Peppermill Village has lower expected damage per building than 95% of U.S. towns: A+ for hazard risk, #165 of 261 in Maryland. Most of the expected damage is river and rain flooding (77%) and hurricanes (11%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Peppermill Village flood?
Flood insurance has paid 2 claims in Peppermill Village since 2020, $7K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record.
Is Peppermill Village 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 Prince George's County, 0.9% of all homes carry federal flood insurance.
How much is flood insurance in Peppermill Village?
FEMA’s Community Rating System list shows no discount for Peppermill Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Peppermill Village at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Peppermill Village’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Peppermill Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Peppermill Village’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.