Flood Claims Map

Maryland

Flood insurance claims in Allegany County, Maryland

FEMA records 377 National Flood Insurance Program claims in Allegany County, Maryland, since 1978, with $5.4 million paid in total. The year with the most claims was 1996, with 181. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 24.3% of homes in the high-risk flood zone did.

NFIP claims on record377
Total paid$5.4 million
Claims with a payment269
Homes with NFIP policy0.5%
High-risk zone homes insured24.3%
Residential policies in force135

Claims by year of loss

1978: 219781979: 71980: 11981: 11982: 119821983: 01984: 71985: 61986: 019861987: 01988: 01989: 91990: 119901991: 11992: 01993: 91994: 019941995: 231996: 1811997: 01998: 319981999: 02000: 52001: 02002: 820022003: 02004: 362005: 02006: 020062007: 02008: 12009: 42010: 120102011: 22012: 42013: 02014: 1120142015: 12016: 12017: 12018: 520182019: 02020: 02021: 92022: 020222023: 02024: 12025: 342026: 12026181

NFIP claims by year of loss, Allegany County, Maryland

1978: $019781979: $4,8861980: $01981: $791982: $019821983: $01984: $18,5711985: $49,2441986: $019861987: $01988: $01989: $154,2341990: $019901991: $01992: $01993: $10,9881994: $019941995: $273,7541996: $2.3 million1997: $01998: $019981999: $02000: $10,2242001: $02002: $151,76820022003: $02004: $158,9202005: $02006: $020062007: $02008: $02009: $8,8582010: $020102011: $02012: $6,7262013: $02014: $168,37420142015: $02016: $8,5542017: $17,8832018: $32,09320182019: $02020: $02021: $188,3182022: $020222023: $02024: $02025: $1.9 million2026: $29,5672026$2.3 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Allegany County, Maryland

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Fran87
Flooding85
Hurricane Ida8
Hurricane Sandy3

ZIP codes with the most claims

ZIP code (as reported)Claims
21502141
2156252
2153947
2154522
2152119
2155517
2154614
2152914
2153213
2154213

236 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.4 million, contents $1.0 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3799224.3%
All homes28,0701350.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.