Flood Claims Map

Maryland

Flood insurance claims in Howard County, Maryland

FEMA records 422 National Flood Insurance Program claims in Howard County, Maryland, since 1978, with $15.8 million paid in total. The year with the most claims was 2018, with 121. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 94.3% of homes in the high-risk flood zone did.

NFIP claims on record422
Total paid$15.8 million
Claims with a payment286
Homes with NFIP policy0.8%
High-risk zone homes insured94.3%
Residential policies in force816

Claims by year of loss

1978: 119781979: 231980: 11981: 221982: 219821983: 21984: 81985: 01986: 019861987: 01988: 11989: 101990: 119901991: 11992: 01993: 11994: 119941995: 01996: 41997: 11998: 019981999: 112000: 22001: 22002: 020022003: 72004: 02005: 32006: 1120062007: 12008: 32009: 12010: 120102011: 362012: 92013: 42014: 1920142015: 52016: 742017: 32018: 12120182019: 12020: 32021: 42022: 620222023: 52024: 82025: 22026: 12026121

NFIP claims by year of loss, Howard County, Maryland

1978: $25419781979: $110,9211980: $1,6561981: $42,4361982: $84619821983: $2,5741984: $17,3071985: $01986: $019861987: $01988: $01989: $50,7821990: $019901991: $01992: $01993: $01994: $019941995: $01996: $19,3281997: $01998: $019981999: $73,1292000: $02001: $2,1842002: $020022003: $16,4762004: $02005: $35,7512006: $217,88420062007: $7112008: $1,7902009: $02010: $020102011: $482,1402012: $8,5652013: $9,7082014: $63,09920142015: $8,1612016: $6.6 million2017: $9,3212018: $8.0 million20182019: $02020: $12,5602021: $5,3182022: $24,40320222023: $2,5712024: $12,2562025: $6,2682026: $3,5862026$8.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Mid-spring storms13
Hurricane Sandy9
Hurricane Irene4
Hurricane Isabel2
Flooding1
Hurricane Isaias1
Hurricane Fran1
Hurricane Floyd1

ZIP codes with the most claims

ZIP code (as reported)Claims
21043215
2104266
2104428
2107525
2104521
2072316
2104611
210299
217976
211045

184 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $13.8 million, contents $2.0 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone24623294.3%
All homes99,0258160.8%

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.