Flood risk in Maryland
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
24
of 24 reporting
Total NFIP claims
3,392
Total claims paid
$44,958,400
Active policies
5,409
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Somerset County56.85 / 1k
- 2.Worcester County16.67 / 1k
- 3.Dorchester County11.65 / 1k
- 4.Queen Anne's County4.34 / 1k
- 5.Talbot County3.81 / 1k
- 6.Cecil County2.52 / 1k
- 7.Kent County2.27 / 1k
- 8.Wicomico County2.05 / 1k
- 9.St. Mary's County1.72 / 1k
- 10.Caroline County1.50 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Carroll County0.35 / 1k
- 2.Washington County0.37 / 1k
- 3.Harford County0.53 / 1k
- 4.Montgomery County0.57 / 1k
- 5.Frederick County0.57 / 1k
- 6.Garrett County0.64 / 1k
- 7.Baltimore city0.80 / 1k
- 8.Baltimore County0.99 / 1k
- 9.Prince George's County1.13 / 1k
- 10.Calvert County1.26 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- County475 claims · very-high
- County391 claims · high
- County384 claims · moderate
- County328 claims · moderate
- County326 claims · low
- County219 claims · low
- County199 claims · low
- County156 claims · moderate
- County154 claims · high
- County99 claims · moderate
- County85 claims · moderate
- County84 claims · moderate
- County82 claims · moderate
- County71 claims · moderate
- County62 claims · moderate
- County57 claims · low
- County52 claims · low
- County42 claims · moderate
- County37 claims · moderate
- County22 claims · low
- County22 claims · low
- County19 claims · moderate
- County18 claims · moderate
- County8 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.