Flood Claims Map

Maryland

Flood insurance claims in Charles County, Maryland

FEMA records 361 National Flood Insurance Program claims in Charles County, Maryland, since 1978, with $6.5 million paid in total. The year with the most claims was 2003, with 90. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 45.4% of homes in the high-risk flood zone did.

NFIP claims on record361
Total paid$6.5 million
Claims with a payment243
Homes with NFIP policy0.9%
High-risk zone homes insured45.4%
Residential policies in force547

Claims by year of loss

1978: 119781979: 51980: 01981: 01982: 219821983: 41984: 41985: 91986: 119861987: 11988: 01989: 11990: 019901991: 01992: 01993: 01994: 419941995: 01996: 161997: 01998: 119981999: 62000: 02001: 02002: 020022003: 902004: 22005: 02006: 3620062007: 22008: 132009: 42010: 520102011: 492012: 82013: 32014: 1220142015: 32016: 52017: 22018: 3020182019: 82020: 112021: 152022: 220222023: 22024: 490

NFIP claims by year of loss, Charles County, Maryland

1978: $1,00719781979: $31,7781980: $01981: $01982: $2,94819821983: $6,3521984: $9,7951985: $102,7181986: $019861987: $01988: $01989: $4,8171990: $019901991: $01992: $01993: $01994: $17,99519941995: $01996: $282,9001997: $01998: $86419981999: $38,4742000: $02001: $02002: $020022003: $3.6 million2004: $6,0602005: $02006: $707,01220062007: $02008: $43,2692009: $11,3292010: $2,14120102011: $826,5372012: $4,3622013: $23,0072014: $37,44920142015: $9,6442016: $1,4952017: $02018: $279,09420182019: $127,2472020: $138,7492021: $211,9942022: $020222023: $3,3612024: $18,909$3.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel88
Hurricane Fran12
Hurricane Irene11
Mid-spring storms7
Hurricane Sandy6
Hurricane Isaias4
Hurricane Floyd3
Tropical Storm Bill1

ZIP codes with the most claims

ZIP code (as reported)Claims
2066475
2060150
2067746
2060337
2064636
2062521
2069521
2064516
2061216
206029

169 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.4 million, contents $1.0 million, increased cost of compliance $116,200.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone34815845.4%
All homes58,5265470.9%

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.