Flood Claims Map

Maryland

Flood insurance claims in Somerset County, Maryland

FEMA records 1,260 National Flood Insurance Program claims in Somerset County, Maryland, since 1979, with $15.1 million paid in total. The year with the most claims was 2012, with 689. As of 3 August 2026, 15.9% of homes here had an NFIP policy, and 33.8% of homes in the high-risk flood zone did.

NFIP claims on record1,260
Total paid$15.1 million
Claims with a payment974
Homes with NFIP policy15.9%
High-risk zone homes insured33.8%
Residential policies in force1,649

Claims by year of loss

1979: 319791980: 81981: 01982: 01983: 219831984: 661985: 131986: 01987: 019871988: 01989: 11990: 01991: 619911992: 21993: 61994: 11995: 119951996: 11997: 21998: 31999: 10319992000: 12001: 02002: 02003: 15320032004: 42005: 22006: 22007: 020072008: 42009: 32010: 22011: 1620112012: 6892013: 62014: 22015: 120152016: 32017: 52018: 42019: 1420192020: 102021: 732022: 212023: 820232024: 82025: 102026: 1689

NFIP claims by year of loss, Somerset County, Maryland

1979: $1,89219791980: $6,8971981: $01982: $01983: $2519831984: $157,3091985: $12,4451986: $01987: $019871988: $01989: $01990: $01991: $12,26619911992: $2,5151993: $7,2491994: $7,6461995: $019951996: $01997: $01998: $01999: $510,27019992000: $02001: $02002: $02003: $1.3 million20032004: $6,2972005: $8,6432006: $13,5632007: $020072008: $9,8082009: $9,0282010: $2,0442011: $115,39120112012: $10.7 million2013: $11,0522014: $6,8472015: $2,81220152016: $12,9132017: $8,0862018: $3,1532019: $141,13720192020: $62,9832021: $1.2 million2022: $322,9152023: $111,14320232024: $161,0482025: $206,4372026: $0$10.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy682
Hurricane Isabel143
Hurricane Floyd100
Hurricane Irene14
Hurricane Gloria6
Hurricane Isaias4
Flooding2
December Nor'easter2

ZIP codes with the most claims

ZIP code (as reported)Claims
21817792
21821132
2185396
2187194
2183866
2182437
2186617
2186714
218163
218582

1,195 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $13.8 million, contents $921,799, increased cost of compliance $440,365.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,6671,57833.8%
All homes10,3871,64915.9%

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.