Flood Claims Map

Maryland

Flood insurance claims in Calvert County, Maryland

FEMA records 559 National Flood Insurance Program claims in Calvert County, Maryland, since 1978, with $9.6 million paid in total. The year with the most claims was 2003, with 246. As of 3 August 2026, 2.0% of homes here had an NFIP policy, and 63.2% of homes in the high-risk flood zone did.

NFIP claims on record559
Total paid$9.6 million
Claims with a payment428
Homes with NFIP policy2.0%
High-risk zone homes insured63.2%
Residential policies in force699

Claims by year of loss

1978: 119781979: 41980: 01981: 11982: 219821983: 41984: 21985: 321986: 019861987: 01988: 01989: 31990: 019901991: 21992: 01993: 21994: 219941995: 31996: 521997: 21998: 1019981999: 152000: 02001: 12002: 220022003: 2462004: 52005: 12006: 3120062007: 02008: 152009: 142010: 820102011: 122012: 52013: 12014: 320142015: 52016: 32017: 12018: 820182019: 52020: 142021: 332022: 220222023: 22024: 42025: 1246

NFIP claims by year of loss, Calvert County, Maryland

1978: $1,35119781979: $106,6061980: $01981: $2,2381982: $40719821983: $2,6071984: $9,0301985: $184,2791986: $019861987: $01988: $01989: $50,2631990: $019901991: $1,1751992: $01993: $7,5871994: $4,58119941995: $131,5681996: $351,5471997: $5,5601998: $51,26119981999: $68,4492000: $02001: $4,9852002: $6,02920022003: $7.1 million2004: $30,0002005: $9,6402006: $342,70620062007: $02008: $123,2942009: $45,2752010: $7,52520102011: $33,2392012: $3,1852013: $32,0792014: $020142015: $4402016: $11,9642017: $02018: $58,27320182019: $49,2632020: $293,5782021: $406,1612022: $8,82320222023: $16,6482024: $51,3262025: $16,198$7.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel232
Hurricane Fran47
Hurricane Floyd14
Hurricane Irene10
Flooding9
Hurricane Isaias8
Hurricane Sandy5
Tropical Storm Ophelia2

ZIP codes with the most claims

ZIP code (as reported)Claims
20657135
20714119
20732101
2063956
2068551
2067823
2061522
2068821
2073612
206769

411 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.8 million, contents $879,096, increased cost of compliance $939,932.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone56035463.2%
All homes35,0146992.0%

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.