Flood Claims Map

Maryland

Flood insurance claims in Carroll County, Maryland

FEMA records 138 National Flood Insurance Program claims in Carroll County, Maryland, since 1978, with $1.2 million paid in total. The year with the most claims was 1996, with 37. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 25.8% of homes in the high-risk flood zone did.

NFIP claims on record138
Total paid$1.2 million
Claims with a payment90
Homes with NFIP policy0.3%
High-risk zone homes insured25.8%
Residential policies in force177

Claims by year of loss

1978: 919781979: 191980: 11981: 11982: 019821983: 11984: 31985: 51986: 019861987: 11988: 01989: 21990: 119901991: 11992: 01993: 21994: 019941995: 01996: 371997: 01998: 019981999: 02000: 02001: 12002: 020022003: 52004: 02005: 12006: 020062007: 02008: 02009: 32010: 120102011: 52012: 42013: 42014: 120142015: 32016: 02017: 02018: 1120182019: 12020: 42021: 62022: 020222023: 02024: 42025: 137

NFIP claims by year of loss, Carroll County, Maryland

1978: $5,61219781979: $217,7711980: $1,1141981: $01982: $019821983: $01984: $1,2001985: $14,7171986: $019861987: $2941988: $01989: $6,7061990: $019901991: $01992: $01993: $01994: $019941995: $01996: $335,1851997: $01998: $019981999: $02000: $02001: $4662002: $020022003: $45,0022004: $02005: $02006: $020062007: $02008: $02009: $132,7152010: $020102011: $70,3632012: $9,4572013: $21,2922014: $7,63220142015: $14,9022016: $02017: $02018: $211,89320182019: $5,6082020: $10,8422021: $85,3072022: $020222023: $02024: $02025: $10,727$335,185

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding20
Hurricane Ida4
Hurricane Sandy4
Hurricane Debby3
Hurricane Isabel2
Mid-spring storms1
Hurricane Fran1

ZIP codes with the most claims

ZIP code (as reported)Claims
2175742
2115718
2178417
2178716
2107411
210488
217917
217767
211585
217253

83 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $924,679, contents $254,123, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2486425.8%
All homes59,1251770.3%

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.