Flood Claims Map

Maryland

Flood insurance claims in Talbot County, Maryland

FEMA records 677 National Flood Insurance Program claims in Talbot County, Maryland, since 1978, with $14.2 million paid in total. The year with the most claims was 2003, with 437. As of 3 August 2026, 9.7% of homes here had an NFIP policy, and 98.7% of homes in the high-risk flood zone did.

NFIP claims on record677
Total paid$14.2 million
Claims with a payment524
Homes with NFIP policy9.7%
High-risk zone homes insured98.7%
Residential policies in force1,771

Claims by year of loss

1978: 119781979: 211980: 51981: 01982: 019821983: 41984: 01985: 51986: 019861987: 01988: 11989: 01990: 019901991: 21992: 01993: 01994: 019941995: 11996: 451997: 01998: 519981999: 92000: 12001: 02002: 020022003: 4372004: 12005: 12006: 420062007: 02008: 02009: 32010: 1420102011: 162012: 252013: 02014: 020142015: 02016: 12017: 22018: 620182019: 32020: 62021: 332022: 020222023: 22024: 222025: 02026: 12026437

NFIP claims by year of loss, Talbot County, Maryland

1978: $59419781979: $29,2991980: $2,7401981: $01982: $019821983: $4,6461984: $01985: $4,8871986: $019861987: $01988: $5001989: $01990: $019901991: $21,7801992: $01993: $01994: $019941995: $01996: $386,0951997: $01998: $9,35019981999: $29,7882000: $3,5202001: $02002: $020022003: $10.3 million2004: $57,5852005: $02006: $9,74020062007: $02008: $02009: $9,2022010: $111,78920102011: $87,0502012: $831,6442013: $02014: $020142015: $02016: $02017: $19,1552018: $102,57920182019: $95,9562020: $54,7062021: $1.4 million2022: $020222023: $258,2172024: $350,7612025: $02026: $02026$10.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Isabel426
Hurricane Fran42
Hurricane Sandy13
Hurricane Irene10
Hurricane Floyd8
Hurricane Gloria3
Flooding2
Hurricane Isaias2

ZIP codes with the most claims

ZIP code (as reported)Claims
21654232
2167192
2166387
2160155
2166249
2161241
2167338
2165233
2166519
2167613

513 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $12.4 million, contents $1.4 million, increased cost of compliance $405,006.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone67666798.7%
All homes18,2281,7719.7%

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.