Flood Claims Map

Maryland

Flood insurance claims in Harford County, Maryland

FEMA records 353 National Flood Insurance Program claims in Harford County, Maryland, since 1978, with $4.0 million paid in total. The year with the most claims was 2003, with 102. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 45.7% of homes in the high-risk flood zone did.

NFIP claims on record353
Total paid$4.0 million
Claims with a payment216
Homes with NFIP policy0.6%
High-risk zone homes insured45.7%
Residential policies in force534

Claims by year of loss

1978: 2119781979: 261980: 31981: 01982: 019821983: 41984: 111985: 71986: 019861987: 31988: 11989: 21990: 019901991: 01992: 11993: 11994: 019941995: 01996: 171997: 11998: 219981999: 212000: 22001: 02002: 120022003: 1022004: 102005: 32006: 720062007: 12008: 12009: 52010: 520102011: 162012: 82013: 42014: 1120142015: 42016: 22017: 52018: 1920182019: 12020: 12021: 52022: 220222023: 12024: 102025: 6102

NFIP claims by year of loss, Harford County, Maryland

1978: $88,27119781979: $102,4921980: $6,7131981: $01982: $019821983: $31,3271984: $50,8391985: $15,9601986: $019861987: $6,1451988: $01989: $17,3401990: $019901991: $01992: $01993: $7,5781994: $019941995: $01996: $61,9141997: $01998: $34419981999: $124,9272000: $02001: $02002: $020022003: $2.0 million2004: $82,1892005: $18,1842006: $68,84520062007: $02008: $02009: $12,9002010: $8,70020102011: $347,2772012: $33,1772013: $3982014: $58,36420142015: $02016: $02017: $8,4832018: $372,17420182019: $7382020: $02021: $26,3852022: $15,39420222023: $02024: $275,9972025: $96,311$2.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel92
Hurricane Floyd20
Hurricane Fran8
Hurricane Sandy7
Mid-spring storms7
Hurricane Irene5
Flooding4
Hurricane Ida3

ZIP codes with the most claims

ZIP code (as reported)Claims
2107881
2100173
2108551
2101423
2104022
2105021
2100919
2103419
2104716
210157

193 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.1 million, contents $845,710, increased cost of compliance $58,113.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone58426745.7%
All homes92,5105340.6%

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.