Somerset County, MD -- Maryland's Only Inhabited Offshore Island, Reached Only by Boat From Crisfield

Smith IslandA Working Watermen's Island That Is Genuinely Losing Ground to the Bay

Smith Island sits about 12 miles out in the Chesapeake Bay from the city dock in Crisfield, Maryland -- no bridge, no causeway, no car ferry that carries a vehicle over. It is the only remaining inhabited offshore island in Maryland, made up of three small villages -- Ewell, Tylerton, and Rhodes Point -- spread across a marsh archipelago that has been losing land to erosion and sea-level rise for well over a century. The island's economy still genuinely runs on the water: crabbing and oystering remain its core trades, and most of America's soft-shell blue crab harvest is caught within about 50 miles of here. That combination -- real working-waterfront culture, a hard boat-only commute, and a documented, ongoing land-loss problem -- is the honest starting point for anyone researching property here, not a footnote to add after falling for the postcard version.

Access
Boat-only, year-round -- no bridge or car ferry; passenger ferries run the roughly 12 miles from Crisfield to Ewell and Tylerton
Population
202 residents at the 2020 Census, down from a peak of roughly 800 in the early 1900s -- a genuine, long-running decline, not a recent blip
Land Loss
U.S. Army Corps of Engineers estimate: roughly 3,300 acres of Smith Island land eroded over the last 150 years; only about 900 acres of the island chain remain habitable today
Property Tax (County)
Somerset County's local real property tax rate is $1.00 per $100 of assessed value (2025), on top of Maryland's statewide real property tax -- see the real-cost page for the full breakdown
At a glance — the numbers agents don't quote
Flood Insurance Is Not a Formality Here
Smith Island is a low-lying marsh island where storm-surge flooding is a documented, recurring event -- not a theoretical FEMA-map exercise.
Standard homeowners policies exclude flood damage; coverage runs through a separate NFIP or private flood policy, priced under FEMA's Risk Rating 2.0 methodology (which weighs a structure's elevation, foundation, and distance from water rather than flood-zone letter alone). This research did not confirm the specific FEMA flood-zone designation or a premium figure for any Smith Island parcel this session -- get that directly from FEMA's flood map service and a licensed agent for the specific property.
A Bay Island, Not an Ocean Barrier Island -- Different Wind Exposure, Still Real
Smith Island faces Chesapeake Bay fetch and thunderstorm/tornado risk rather than direct open-ocean hurricane swell, but it is not sheltered from severe weather.
A waterspout came ashore on Smith Island and triggered a significant recovery effort, per CBS Baltimore coverage; this research did not confirm the exact date this session. This research also did not confirm whether Maryland runs a dedicated coastal wind pool comparable to South Carolina's or North Carolina's beach plans, or find a Smith Island-specific windstorm premium -- get an actual quote from a licensed Maryland agent before budgeting.
The Island Is Measurably Shrinking, on the Record
The Army Corps of Engineers has documented shoreline loss of up to about 12 feet per year in places, and a 2008 Maryland DNR study projected the island could erode away entirely by 2100 without intervention.
A federally authorized Army Corps of Engineers restoration project -- segmented stone breakwaters protecting Back Cove, Fog Point Cove, and the western shoreline of the Martin National Wildlife Refuge -- began construction (dredging and an Ewell jetty) in December 2017 and is designed to protect roughly 216 acres of wetlands and 504 acres of submerged aquatic vegetation over a 50-year project life. This research could not confirm what share of that authorized project has actually been completed as of 2026 -- confirm current status directly with the Army Corps' Baltimore District before assuming the full project is finished.
A Real, Recent Full-Island Evacuation on the Record
Hurricane Sandy forced a complete boat evacuation of every Smith Island resident on October 27, 2012, with storm surge reaching nearly 5 feet along Maryland's bay shore.
Sandy damaged crab shanties and walkways at the Ewell boat basin and left the island without power for two to three days; the storm's aftermath directly led residents to found Smith Island United, a mutual-aid community group. That is a documented, sourced storm event on a genuinely low-lying island, not a generic hurricane-risk disclaimer -- weigh it accordingly.

What Smith Island Actually Is

Smith Island was settled by English colonists in the 1600s and takes its name from Henry Smith of Jamestown, who was granted 1,000 acres in Maryland in 1679. The 19th century's Chesapeake fisheries boom -- oysters and blue crabs in particular -- swelled the island's population and built the working-waterfront culture that still defines it: crabbing and oystering remain the island's principal trades today, and most of the soft-shell blue crabs sold in the United States are caught within roughly 50 miles of here. The island is unincorporated and governed as part of Somerset County, Maryland, and is made up of three distinct villages -- Ewell (the main village and the ferry landing, ZIP 21824), Tylerton (a smaller settlement on its own separate marsh island, population around 50 and down 41% from 1980 to 1994 alone, per historical figures), and Rhodes Point (the smallest and most eroded of the three). None of the three villages connects to the mainland by road; every trip on or off the island goes by boat.

The demographic story here is not subtle. Smith Island's population peaked at roughly 800 people in the early 1900s; the 2020 Census recorded 202 residents, and other reporting describes the population as having fallen by more than half since the 1990s. The island's own school has closed in recent years as enrollment dropped, and around a dozen island teenagers now commute by boat to attend public high school in Crisfield each school day. Younger residents leaving for college or mainland jobs -- including work at a mainland prison, according to reporting on the island -- rather than taking up the watermen's trade their families have worked for generations is a real and openly discussed part of the island's current story, alongside the land-loss problem covered below.

Smith Island's land itself has been retreating for well over a century. The U.S. Army Corps of Engineers estimates that roughly 3,300 acres of the island chain have eroded away over the last 150 years, leaving only about 900 acres currently habitable, with shoreline loss running as high as 12 feet per year in some spots. A 2008 Maryland Department of Natural Resources study projected the island could erode away entirely by 2100 absent intervention, against a backdrop of state sea-level-rise projections commonly cited in coverage of the island as roughly 1 to 2 feet by 2050 and more than 4 feet by 2100. In response, the Army Corps has an authorized environmental restoration project -- segmented stone breakwaters intended to protect roughly 216 acres of wetlands and 504 acres of submerged aquatic vegetation around Back Cove, Fog Point Cove, and the Martin National Wildlife Refuge shoreline -- that began construction in December 2017. This page treats that land-loss trajectory as a defining fact of ownership here, the way Tangier Island's nearly identical story is treated a short boat ride south in Virginia, not as a side note.

Food, Culture, and What There Is to Do

Food on Smith Island centers on what the watermen actually catch. The Bayside Inn Restaurant & Carryout in Ewell serves a family-style luncheon along with an à la carte menu of crab cakes, soft crabs, hot crab dip, and other Chesapeake staples, plus hand-dipped ice cream and the island's signature Smith Island cake -- a many-thin-layered cake that the Maryland General Assembly designated the state's official dessert in 2008. Drum Point Market, a small mom-and-pop grocery, sub shop, and convenience store, also sells crab cakes and is open Monday through Saturday, 10 a.m. to 3 p.m. For an overview of island life itself, the Smith Island Cultural Center in Ewell charges a modest $3 admission for a short film and exhibits on the island's history and watermen culture, with a small gift shop attached.

Beyond the restaurants, Smith Island's draw is the working landscape itself: watching crabbers and oystermen work the surrounding marsh channels, walking or biking the island's short network of roads (most residents get around by golf cart rather than full-size vehicles), and staying overnight at one of a small number of island bed-and-breakfasts, such as Susan's on Smith Island. The island was also featured in the Smithsonian Folklife Festival's 2004 "Water Ways" program alongside Tangier Island, VA and Ocracoke, NC -- a recognition of a genuinely distinct maritime culture, not a marketing claim invented for this page.

Home Prices
A very small, low-volume market: recent brokerage-aggregator data showed roughly 6 homes for sale island-wide, median list price around $122,000 ($108/sq ft), with typical time on market well over 150 days. See the real-cost and investment-outlook pages for the full picture and its limits.
Property Tax
Somerset County's local real property tax rate is $1.00 per $100 of assessed value (2025), layered on top of Maryland's statewide real property tax rate -- see the real-cost page for a worked example.
State Tax Structure
Maryland levies a graduated state income tax (2%-6.5%) plus a local county income tax on top of it (up to 3.2% statewide max), and a 6% statewide sales tax with no local add-on.
Getting There
No bridge or car ferry. Passenger ferries run the roughly 12 miles from Crisfield to Ewell and Tylerton, historically around $25 for a same-day round trip; confirm current fares and schedules directly with an operator before planning a visit.

Independent research. No ads. No sponsored listings. This is a pilot "thin market" build (hub + 2 topic pages) for a smaller, lower-priority destination, not the site's full 22-page research format. Facts drawn from: Wikipedia-sourced and multiple 2024-2026 news accounts (Newsweek, CBS News/60 Minutes, the Chesapeake Bay Foundation's own coverage of that 60 Minutes segment) for the 2020 Census population figure (202), the roughly 800-person early-1900s population peak, and the island's three-village structure; the U.S. Army Corps of Engineers' own published estimates (via Baltimore District materials and contemporaneous news coverage) for the ~3,300 acres eroded over 150 years, the ~900 acres currently habitable, and the up-to-12-feet-per-year shoreline loss figure; a 2008 Maryland Department of Natural Resources study and Maryland sea-level-rise projections as relayed in secondary news coverage (Newsweek) for the by-2100 erosion and sea-level-rise figures -- this research did not pull the original DNR report directly this session; the Army Corps of Engineers' Smith Island Environmental Restoration & Protection Study fact sheet and Maryland Department of the Environment coverage for the breakwater project's scope, acreage targets, and December 2017 construction start; the Maryland Department of Legislative Services' published 2025 county local real property tax rate table (Somerset County at $1.00 per $100) for the property tax figure; Tax Foundation and AARP 2026 Maryland tax guides for the state's graduated income tax brackets, local county income tax structure, and statewide 6% sales tax with no local add-on; Baltimore Sun, Baltimore Banner, and CBS Baltimore reporting on Hurricane Sandy's October 27, 2012 full-island evacuation, storm-surge height, and the founding of Smith Island United; CBS Baltimore coverage of a waterspout striking the island for the severe-weather note in the Tide Bar; and the Smith Island Cultural Center, Bayside Inn Restaurant, Drum Point Market, and Somerset County tourism listings for the dining, culture, and attractions content, along with general reporting on the island's participation in the Smithsonian Folklife Festival's 2004 "Water Ways" program. Genuine, disclosed gaps: this research could not confirm a current, official 2025-2026 population estimate more recent than the 2020 Census (a secondary source cited a conflicting, likely erroneous "340 residents as of 2023" figure that was not used here); it could not confirm the exact date of the waterspout event referenced in the Tide Bar, the current 2026 completion status of the Army Corps breakwater project, Smith Island-specific flood or windstorm insurance premiums, Somerset County's specific local income tax rate, or the exact year the island's school closed. Confirm all current facts directly with Somerset County, the U.S. Army Corps of Engineers' Baltimore District, FEMA's flood map service, and a licensed Maryland real estate, insurance, and tax professional before making a purchase or relocation decision. Nothing on this page is legal, tax, financial, or insurance advice.

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