Flood insurance claims in Kent County, Maryland

FEMA records 341 National Flood Insurance Program claims in Kent County, Maryland, since 1978, with $8.9 million paid in total. The year with the most claims was 2003, with 250. As of 3 August 2026, 4.5% of homes here had an NFIP policy, and 60.6% of homes in the high-risk flood zone did.

NFIP claims on record341

Total paid$8.9 million

Claims with a payment269

Homes with NFIP policy4.5%

High-risk zone homes insured60.6%

Residential policies in force460

Claims by year of loss

NFIP claims by year of loss, Kent County, Maryland

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Isabel	244
Hurricane Floyd	11
Hurricane Irene	10
Hurricane Sandy	7
Hurricane Fran	5
Hurricane Isaias	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
21661	218
21620	79
21651	19
21645	10
21678	6
21930	4
21635	2

275 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.3 million, contents $825,551, increased cost of compliance $795,174.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	505	306	60.6%
All homes	10,207	460	4.5%

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

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.