Flood insurance claims in Washington County, Maryland

FEMA records 370 National Flood Insurance Program claims in Washington County, Maryland, since 1978, with $3.9 million paid in total. The year with the most claims was 1996, with 160. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 43.7% of homes in the high-risk flood zone did.

NFIP claims on record370

Total paid$3.9 million

Claims with a payment287

Homes with NFIP policy0.5%

High-risk zone homes insured43.7%

Residential policies in force280

Claims by year of loss

NFIP claims by year of loss, Washington County, Maryland

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	91
Hurricane Fran	41
Hurricane Isabel	2
Hurricane Sandy	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
21795	137
21742	62
21740	44
21782	32
21750	29
21734	13
21722	11
21783	8
21758	8
21756	6

264 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.1 million, contents $809,711, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	465	203	43.7%
All homes	52,533	280	0.5%

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.