Flood Claims Map

Maryland

Flood insurance claims in Baltimore city, Maryland

FEMA records 1,065 National Flood Insurance Program claims in Baltimore city, Maryland, since 1978, with $26.7 million paid in total. The year with the most claims was 1979, with 188. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record1,065
Total paid$26.7 million
Claims with a payment762
Homes with NFIP policy0.3%
High-risk zone homes insuredn/a
Residential policies in force678

Claims by year of loss

1978: 1519781979: 1881980: 21981: 641982: 319821983: 131984: 681985: 151986: 419861987: 61988: 01989: 71990: 019901991: 01992: 01993: 41994: 119941995: 11996: 251997: 11998: 719981999: 442000: 12001: 12002: 120022003: 1552004: 282005: 62006: 2220062007: 42008: 132009: 52010: 920102011: 422012: 332013: 182014: 5920142015: 62016: 312017: 52018: 8020182019: 182020: 92021: 102022: 620222023: 212024: 72025: 42026: 32026188

NFIP claims by year of loss, Baltimore city, Maryland

1978: $22,15619781979: $2.5 million1980: $01981: $232,5791982: $019821983: $52,5951984: $1.1 million1985: $109,6211986: $019861987: $26,3041988: $01989: $3,8301990: $019901991: $01992: $01993: $1,0201994: $7,84819941995: $01996: $220,9241997: $01998: $26,13619981999: $1.5 million2000: $1,4392001: $02002: $020022003: $7.8 million2004: $2.8 million2005: $74,0792006: $645,58420062007: $9,0362008: $678,7222009: $13,7232010: $12,30720102011: $237,7272012: $133,8952013: $124,4752014: $3.5 million20142015: $118,2592016: $1.3 million2017: $23,0392018: $1.3 million20182019: $565,8542020: $153,8632021: $84,3242022: $43,90620222023: $1.1 million2024: $86,0382025: $56,2082026: $02026$7.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel145
Mid-spring storms43
Hurricane Sandy25
Hurricane Floyd15
Hurricane Irene14
Hurricane Gloria7
Hurricane Fran4
Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
21229151
21231137
21209109
2123099
2121584
2121175
2121048
2120644
2120242
2122841

562 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $17.1 million, contents $9.6 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0260n/a
All homes202,9586780.3%

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.