Flood Claims Map

Maryland

Flood insurance claims in St. Mary's County, Maryland

FEMA records 613 National Flood Insurance Program claims in St. Mary's County, Maryland, since 1979, with $11.2 million paid in total. The year with the most claims was 2003, with 265. As of 3 August 2026, 2.4% of homes here had an NFIP policy, and 55.2% of homes in the high-risk flood zone did.

NFIP claims on record613
Total paid$11.2 million
Claims with a payment440
Homes with NFIP policy2.4%
High-risk zone homes insured55.2%
Residential policies in force990

Claims by year of loss

1979: 419791980: 01981: 01982: 01983: 119831984: 01985: 181986: 01987: 019871988: 11989: 01990: 01991: 019911992: 11993: 01994: 11995: 019951996: 311997: 11998: 71999: 1119992000: 02001: 02002: 02003: 26520032004: 22005: 02006: 1212007: 120072008: 72009: 62010: 122011: 2420112012: 82013: 12014: 22015: 620152016: 22017: 32018: 112019: 220192020: 272021: 272022: 32023: 320232024: 32025: 1265

NFIP claims by year of loss, St. Mary's County, Maryland

1979: $1,11819791980: $01981: $01982: $01983: $9,52419831984: $01985: $32,1591986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $01994: $01995: $019951996: $208,8301997: $01998: $64,4321999: $96,26819992000: $02001: $02002: $02003: $6.7 million20032004: $02005: $02006: $2.2 million2007: $020072008: $81,0482009: $10,2702010: $316,5342011: $221,96020112012: $63,3282013: $02014: $5,7192015: $132,73620152016: $1,8572017: $9362018: $174,0982019: $020192020: $511,4312021: $243,4042022: $129,0522023: $4,05420232024: $26,5502025: $0$6.7 million

Paid on claims by year of loss (building, contents and increased cost of compliance), St. Mary's County, Maryland

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel261
Hurricane Fran25
Hurricane Irene23
Hurricane Isaias18
Hurricane Floyd10
Hurricane Sandy7
Flooding5
Hurricane Eta2

ZIP codes with the most claims

ZIP code (as reported)Claims
20674192
2068786
2065077
2065949
2065332
2063430
2069026
2062823
2068020
2062611

346 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.0 million, contents $1.7 million, increased cost of compliance $565,887.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone95752855.2%
All homes41,9399902.4%

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.