Flood insurance claims in Maryland by county
FEMA records 20,800 NFIP claims in Maryland's counties, with $340.0 million paid. As of 3 August 2026, 33,232 NFIP residential policies were in force, equal to 1.7% of the state's residential structures.
| Baltimore County | 3,366 | $70.3 million | 1.2% |
| Anne Arundel County | 2,825 | $53.1 million | 2.5% |
| Worcester County | 2,519 | $19.5 million | 23.9% |
| Somerset County | 1,260 | $15.1 million | 15.9% |
| Prince George's County | 1,158 | $7.9 million | 0.9% |
| Dorchester County | 1,142 | $21.7 million | 8.9% |
| Queen Anne's County | 1,073 | $15.4 million | 7.9% |
| Baltimore city | 1,065 | $26.7 million | 0.3% |
| Montgomery County | 776 | $4.8 million | 0.8% |
| Cecil County | 703 | $14.3 million | 1.4% |
| Talbot County | 677 | $14.2 million | 9.7% |
| St. Mary's County | 613 | $11.2 million | 2.4% |
| Calvert County | 559 | $9.6 million | 2.0% |
| Howard County | 422 | $15.8 million | 0.8% |
| Allegany County | 377 | $5.4 million | 0.5% |
| Washington County | 370 | $3.9 million | 0.5% |
| Charles County | 361 | $6.5 million | 0.9% |
| Harford County | 353 | $4.0 million | 0.6% |
| Kent County | 341 | $8.9 million | 4.5% |
| Frederick County | 271 | $2.1 million | 0.6% |
| Wicomico County | 244 | $6.0 million | 1.3% |
| Carroll County | 138 | $1.2 million | 0.3% |
| Garrett County | 110 | $1.1 million | 0.4% |
| Caroline County | 77 | $1.4 million | 1.1% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.