Flood Claims Map

Maryland

Flood insurance claims in Baltimore County, Maryland

FEMA records 3,366 National Flood Insurance Program claims in Baltimore County, Maryland, since 1978, with $70.3 million paid in total. The year with the most claims was 2003, with 1,536. As of 3 August 2026, 1.2% of homes here had an NFIP policy.

NFIP claims on record3,366
Total paid$70.3 million
Claims with a payment2,512
Homes with NFIP policy1.2%
High-risk zone homes insuredn/a
Residential policies in force3,097

Claims by year of loss

1978: 5719781979: 3941980: 51981: 281982: 819821983: 181984: 1281985: 1221986: 419861987: 21988: 31989: 461990: 419901991: 31992: 51993: 211994: 1019941995: 01996: 1841997: 21998: 1219981999: 542000: 22001: 22002: 520022003: 1,5362004: 322005: 82006: 3520062007: 12008: 142009: 152010: 4820102011: 1472012: 512013: 122014: 4620142015: 212016: 352017: 42018: 5420182019: 72020: 152021: 322022: 520222023: 112024: 1092025: 72026: 220261,536

NFIP claims by year of loss, Baltimore County, Maryland

1978: $83,85719781979: $3.9 million1980: $13,9671981: $45,9271982: $3,36919821983: $13,8271984: $1.1 million1985: $326,6241986: $7,17219861987: $19,7511988: $19,5201989: $863,6631990: $14,53819901991: $41,1031992: $11,7791993: $224,8781994: $357,64619941995: $01996: $1.0 million1997: $01998: $13,98419981999: $435,7762000: $02001: $6102002: $020022003: $50.6 million2004: $1.0 million2005: $6,6892006: $333,66920062007: $02008: $259,9932009: $36,3492010: $528,49520102011: $3.1 million2012: $399,1862013: $112,5392014: $724,27820142015: $84,9622016: $1.3 million2017: $9,6652018: $485,94420182019: $16,4402020: $58,3532021: $463,4252022: $18,15320222023: $65,8742024: $2.1 million2025: $15,4762026: $02026$50.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel1,471
Hurricane Fran134
Hurricane Floyd35
Hurricane Irene32
Hurricane Sandy30
Hurricane Debby28
Mid-spring storms25
Hurricane Gloria21

ZIP codes with the most claims

ZIP code (as reported)Claims
21220916
21219656
21222520
21221196
21030154
21207114
21208102
2122762
2120459
2122856

2,186 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $51.7 million, contents $11.7 million, increased cost of compliance $6.9 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone01,954n/a
All homes259,5383,0971.2%

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.