Enter any address in Anne Arundel County, Maryland to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Anne Arundel County. Over the last 30 years, NOAA data shows 91 flood events and 86 flash flood events. For example, on July 1st, 2025, multiple rounds of heavy rain brought one to four inches of rainfall, causing flooding. Similarly, on July 14th, 2025, localized rainfall of 2 to 4 inches in a short period led to instances of flooding and flash flooding. Coastal flooding and storm surge are also factors, with 79 coastal flood events and 6 storm surge events recorded in the same period.
FEMA data indicates that properties in Zone A have experienced the most National Flood Insurance Program (NFIP) claims, with 1502 claims averaging $22,104 and a water depth of 2.3 feet. Properties in Zone X also show a significant number of claims, though with a higher average water depth of 6.1 feet. Homeowners in coastal areas, as well as those in Zone A or without a Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
44 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Anne Arundel County, Maryland has recorded 266 flood-related events since 1996 according to NOAA's Storm Events Database, including 86 flash floods and 91 river or area floods. The county has received 23 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1971–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Snowstorm | Snowstorm | Jan 22, 2016 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
| Remnants Of Tropical Storm Lee | Flood | Sep 6, 2011 |
| Hurricane Irene | Hurricane | Aug 26, 2011 |
| Severe Winter Storms And Snowstorms | Snowstorm | Feb 5, 2010 |
| Severe Winter Storm And Snowstorm | Snowstorm | Dec 18, 2009 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | May 30, 2025 | 0.00K |
| Coastal Flood | Aug 23, 2025 | 0.00K |
| Coastal Flood | May 21, 2025 | 0.00K |
| Coastal Flood | Oct 19, 2025 | 0.00K |
| Flood | Jun 18, 2025 | 0.00K |
| Flood | Jul 14, 2025 | 0.00K |
| Coastal Flood | Oct 1, 2025 | 0.00K |
| Flash Flood | Jul 1, 2025 | 0.00K |
| Coastal Flood | Sep 28, 2024 | 0.00K |
| Coastal Flood | Mar 27, 2024 | 0.00K |
Flood — May 30, 2025
Showers and thunderstorms developed along a slow moving cold front and produced a quick one to locally three inches of rain in a short period of time.
Coastal Flood — Aug 23, 2025
A snap-back event in the wake of Hurricane Erin in late Aug 2025 caused widespread minor coastal flooding that lasted a couple of days. Moderate coastal flooding was experienced in several areas of Anne Arundel County including Annapolis.
Coastal Flood — May 21, 2025
The combination of strong high pressure to the north over Ontario, CA with low pressure passing to the south resulted in strong easterly winds on the western shore of the Chesapeake Bay.
Coastal Flood — Oct 19, 2025
Strong southerly winds combined with high astronomical tides due to a New Moon resulted in moderate coastal flooding at Annapolis during multiple high tide cycles.
Flood — Jun 18, 2025
Multiple rounds of slow-moving showers and thunderstorms developed along a weak frontal boundary. These storms produced locally heavy rainfall from Montgomery County to Anne Arundel County. Rainfall amounts of two to four inches were observed with several hours.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Anne Arundel County, Maryland:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Anne Arundel County, Maryland that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.