Enter any Maryland address to see its FEMA flood zone designation
Maryland experiences a mixed flood risk, with flash floods being the most frequent event type over the last 30 years, followed closely by general flooding. Coastal flooding and tropical storms also contribute significantly to the state's flood events.
The state's geography presents distinct flood risks. Coastal areas are susceptible to coastal floods and storm surge, as evidenced by the 353 coastal flood events and 27 storm surge/tide events recorded. Inland areas face risks from flash floods and general flooding, with numerous events impacting communities. Recent federal disaster declarations highlight these threats, including multiple declarations for Tropical Storm Isaias in 2020 and severe storm and flooding events in 2018.
National Flood Insurance Program (NFIP) data indicates that Zone A, typically representing areas with a 1% annual chance of flooding, accounts for the highest number of claims and the largest total payout. However, a substantial number of claims also originate from zones categorized as "UNKNOWN," suggesting that flood risk is not always clearly defined or understood by residents. While Zone X areas have fewer claims, the average claim amount in X_SHADED and X_UNSHADED zones indicates that flooding can still cause significant damage even in areas perceived as lower risk.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Maryland has received 471 federal disaster declarations, including 64 flood and coastal storm declarations and 80 hurricane declarations.
FEMA designates flood zones across Maryland using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Maryland FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Maryland is approximately $883 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Maryland residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
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