Flood Claims Map

Maryland

Flood insurance claims in Worcester County, Maryland

FEMA records 2,519 National Flood Insurance Program claims in Worcester County, Maryland, since 1978, with $19.5 million paid in total. The year with the most claims was 2012, with 654. As of 3 August 2026, 23.9% of homes here had an NFIP policy.

NFIP claims on record2,519
Total paid$19.5 million
Claims with a payment1,674
Homes with NFIP policy23.9%
High-risk zone homes insuredn/a
Residential policies in force7,870

Claims by year of loss

1978: 1519781979: 121980: 41981: 91982: 1819821983: 221984: 271985: 3681986: 719861987: 61988: 11989: 301990: 319901991: 361992: 4281993: 301994: 1819941995: 41996: 181997: 71998: 49919981999: 152000: 92001: 22002: 520022003: 272004: 42005: 272006: 1720062007: 22008: 142009: 552010: 820102011: 162012: 6542013: 152014: 020142015: 92016: 182017: 92018: 1620182019: 22020: 92021: 42022: 220222023: 52024: 42025: 62026: 32026654

NFIP claims by year of loss, Worcester County, Maryland

1978: $27,45119781979: $15,0991980: $01981: $33,6751982: $3,13719821983: $2,5941984: $25,7441985: $2.7 million1986: $14,13119861987: $1,0421988: $01989: $26,2711990: $019901991: $165,0911992: $4.5 million1993: $31,8761994: $36,44719941995: $01996: $45,2921997: $18,7841998: $2.4 million19981999: $58,7722000: $82,7382001: $02002: $9,48620022003: $98,4872004: $02005: $59,4582006: $49,04920062007: $02008: $20,5862009: $335,6732010: $9,39120102011: $25,0822012: $8.1 million2013: $134,9882014: $020142015: $10,6542016: $111,3192017: $89,5972018: $38,58620182019: $5,4702020: $25,9262021: $3,9932022: $020222023: $35,5072024: $35,3132025: $4,8672026: $3,1112026$8.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy632
Flooding375
Hurricane Gloria349
Hurricane Isabel22
Hurricane Irene13
Hurricane Floyd5
Hurricane Isaias3
Tropical Storm Ophelia1

ZIP codes with the most claims

ZIP code (as reported)Claims
218421,910
21811446
2181347
2186328
2185123
218419
218725
218433
218173
218622

1,954 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $16.8 million, contents $2.6 million, increased cost of compliance $145,859.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,1234,383n/a
All homes32,9867,87023.9%

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.