Flood history · Saint Leonard, MD 20685
Flood insurance claims in Saint Leonard, MD 20685
51 claims since 1978 and $785,960 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 20685 since 1978.
What the record says
88% of claims were on properties in high-risk zones and 12% outside them.
Losses are spread across many events; the largest, Hurricane Isabel, accounts for 37% of claims.
8 claims were filed in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Calvert County* takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Isabel | 2003 | 19 | 37% |
| Hurricane Irene | 2011 | 2 | 4% |
| Tropical Storm Ophelia | 2023 | 1 | 2% |
| Hurricane Floyd | 1999 | 1 | 2% |
| Hurricane Fran | 1996 | 1 | 2% |
| 2025-10-Nor'easter | 2025 | 1 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Calvert County
Flood, hurricane and storm declarations since 2000.
10 flood, storm or hurricane declarations for Calvert County since 2000.
Check a specific address in Saint Leonard.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.