Flood Claims Map

Maryland

Flood insurance claims in Wicomico County, Maryland

FEMA records 244 National Flood Insurance Program claims in Wicomico County, Maryland, since 1979, with $6.0 million paid in total. The year with the most claims was 2012, with 68. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 34.5% of homes in the high-risk flood zone did.

NFIP claims on record244
Total paid$6.0 million
Claims with a payment186
Homes with NFIP policy1.3%
High-risk zone homes insured34.5%
Residential policies in force488

Claims by year of loss

1979: 119791980: 01981: 01982: 01983: 119831984: 01985: 01986: 11987: 019871988: 01989: 01990: 01991: 119911992: 11993: 41994: 31995: 019951996: 11997: 01998: 31999: 919992000: 02001: 12002: 12003: 3420032004: 22005: 62006: 22007: 020072008: 02009: 52010: 52011: 420112012: 682013: 42014: 02015: 220152016: 312017: 142018: 142019: 220192020: 22021: 62022: 52023: 620232024: 42025: 02026: 168

NFIP claims by year of loss, Wicomico County, Maryland

1979: $58819791980: $01981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $1,35319911992: $01993: $2,5521994: $9,8861995: $019951996: $7,9401997: $01998: $4,3851999: $28,24919992000: $02001: $4402002: $9,2682003: $462,01520032004: $6,6792005: $42,9292006: $02007: $020072008: $02009: $78,4702010: $22,9632011: $16,98920112012: $1.8 million2013: $39,9582014: $02015: $8,03920152016: $1.8 million2017: $320,7882018: $791,9662019: $29,87820192020: $8,6122021: $161,2852022: $199,5972023: $169,79820232024: $25,8072025: $02026: $0$1.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy63
Hurricane Isabel32
Hurricane Floyd5
December Nor'easter5
Hurricane Irene3
Flooding2
Hurricane Fran1
Hurricane Isaias1

ZIP codes with the most claims

ZIP code (as reported)Claims
2180166
2180466
2184035
2186527
2185619
218376
218145
218304
218494
218223

166 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.5 million, contents $437,330, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone70124234.5%
All homes36,4124881.3%

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.