Maryland
flood insurance data

NFIP premiums in Maryland

NFIP premiums: what NFIP policyholders paid, not a quote. Across 31,297 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $661, and half of them fall between $463 (Q1) and $963 (Q3).

Of the 4 zones listed (X, AE, A, VE), zone AE has the highest median premium ($798) and zone X the lowest ($524). Coastal high-hazard zone VE is listed, with 318 policies. Residential NFIP policies counted by FEMA fell 19.5% between 2019 (38,856) and 2025 (31,297); the first year, 2019, has the highest count of the 7. With 31,297 residential NFIP policies effective 2025, Maryland has the 14th most of 53 States and territories.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 31,297 policies.

NFIP paid building claims in Maryland

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 2,015 paid claims; median $9,756, half of them between $3,968 (Q1) and $24,274 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $11,358, a monetary adjustment, not today’s cost of repair.

The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2021, holds 21.9% of them. With 2,015 paid claims (year of loss 2015-2024), Maryland has the 22nd most of 53 States and territories.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 16 flood, hurricane and severe-storm declarations (DR and EM) covering Maryland, 12 of them major disaster declarations.

Latest declarations

• DR-4583: TROPICAL STORM ISAIAS (Hurricane, 2021-02-04)
• DR-4376: SEVERE STORM AND FLOODING (Flood, 2018-07-02)
• DR-4374: SEVERE STORMS AND FLOODING (Severe Storm, 2018-06-25)
• DR-4279: SEVERE STORM AND FLOODING (Flood, 2016-09-16)
• DR-4170: SNOWSTORM (Severe Storm, 2014-04-10)

FEMA assistance to homeowners

Since 2002: 10,128 owner registrations inspected by FEMA in Maryland after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 10,128 owner registrations FEMA inspected in Maryland after disasters of every declared type, 1.6% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-1492, HURRICANE ISABEL (declared 2003-09-19), with 9,357.

Disasters with the most inspections

• DR-1492, HURRICANE ISABEL (declared 2003-09-19): 9,357 inspections
• DR-4091, HURRICANE SANDY (declared 2012-11-20): 769 inspections
• DR-1491, HURRICANE ISABEL (declared 2003-09-18): 2 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 147 NFIP communities in Maryland: 147 participate in the NFIP and 20 (13.6%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Baltimore, City of, Carroll County *, Howard County* and 1 more): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Maryland dates from 2006-09-29 (Montgomery County *).

Questions about flood insurance in Maryland

How much is flood insurance in Maryland?

NFIP policyholders in Maryland paid a median of $661 for residential policies effective 2025 (31,297 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $463 and $963; $798 inside the Special Flood Hazard Area against $524 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Maryland had?

2,015 NFIP building claims were paid (year of loss 2015-2024), with a median of $9,756; the year with the most was 2021 (442), and the named event with the most was Hurricane Isaias (86). These are amounts paid, not repair cost.

Is Maryland in a flood zone?

Of the residential NFIP policies of Maryland (policies effective 2025), 15,897 are rated inside the Special Flood Hazard Area and 15,400 outside it (zones listed: X, AE, A, VE), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Named storms with paid claims in Maryland

• Hurricane Sandy
• Hurricane Irene

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• Owners assistance: county names not matched to a FIPS code (counted in the State total only): Alpine Beach (no match, 1 inspected); Wayside (no match, 1 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).