Flood Claims Map

Maryland

Flood insurance claims in Dorchester County, Maryland

FEMA records 1,142 National Flood Insurance Program claims in Dorchester County, Maryland, since 1978, with $21.7 million paid in total. The year with the most claims was 2003, with 706. As of 3 August 2026, 8.9% of homes here had an NFIP policy, and 48.6% of homes in the high-risk flood zone did.

NFIP claims on record1,142
Total paid$21.7 million
Claims with a payment955
Homes with NFIP policy8.9%
High-risk zone homes insured48.6%
Residential policies in force1,382

Claims by year of loss

1978: 119781979: 81980: 01981: 01982: 019821983: 11984: 01985: 191986: 019861987: 11988: 01989: 11990: 019901991: 61992: 11993: 21994: 119941995: 11996: 711997: 11998: 319981999: 82000: 02001: 12002: 020022003: 7062004: 82005: 32006: 920062007: 02008: 42009: 02010: 520102011: 252012: 272013: 22014: 220142015: 12016: 22017: 12018: 520182019: 172020: 82021: 1202022: 420222023: 62024: 522025: 82026: 12026706

NFIP claims by year of loss, Dorchester County, Maryland

1978: $019781979: $21,8911980: $01981: $01982: $019821983: $6951984: $01985: $48,2971986: $019861987: $01988: $01989: $01990: $019901991: $9,3291992: $6,0891993: $13,1091994: $13,01019941995: $01996: $318,3331997: $01998: $1,32619981999: $7,8942000: $02001: $02002: $020022003: $15.7 million2004: $195,0002005: $8,2172006: $100,94020062007: $02008: $43,4482009: $02010: $13,14620102011: $163,5352012: $209,0802013: $20,2222014: $020142015: $02016: $02017: $02018: $51,87720182019: $295,8482020: $80,8612021: $3.0 million2022: $75,26120222023: $62,8892024: $1.2 million2025: $48,3852026: $02026$15.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel684
Hurricane Fran65
Hurricane Sandy21
Hurricane Isaias7
Hurricane Floyd7
Hurricane Irene4
Hurricane Ida1
Mid-spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
21613440
21634155
21677120
2164884
2167281
2162278
2166970
2162635
2167533
2163127

1,072 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $18.5 million, contents $1.7 million, increased cost of compliance $1.5 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,3741,15348.6%
All homes15,6151,3828.9%

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.