Flood insurance claims in Caroline County, Maryland

FEMA records 77 National Flood Insurance Program claims in Caroline County, Maryland, since 1979, with $1.4 million paid in total. The year with the most claims was 2011, with 25. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 37.7% of homes in the high-risk flood zone did.

NFIP claims on record77

Total paid$1.4 million

Claims with a payment53

Homes with NFIP policy1.1%

High-risk zone homes insured37.7%

Residential policies in force158

Claims by year of loss

NFIP claims by year of loss, Caroline County, Maryland

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Irene	24
Hurricane Isabel	9
Hurricane Floyd	6
Hurricane Sandy	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
21639	32
21632	22
21655	13
21629	5
21640	2
21660	2
21641	1

56 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $120,780, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	308	116	37.7%
All homes	14,046	158	1.1%

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

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.