Enter any address in Queen Anne's County, Maryland to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent type of flood event in Queen Anne's County, with 32 occurrences in the last 30 years. However, coastal flooding also presents a significant risk, with 10 events recorded, often driven by southerly winds pushing water up the Chesapeake Bay. For example, moderate tidal flooding occurred along the upper eastern shore of the Chesapeake Bay on the night of October 29, 2021, due to prolonged onshore flow. More recently, on January 10, 2024, a strong system brought water into coastal communities along the Chesapeake Bay.
NFIP claims data indicates that properties in Zone A have experienced the highest number of claims, with an average payout of $16,395 and an average water depth of 1.8 feet. Properties in Zone X_SHADED also show a notable number of claims with an average water depth of 2.3 feet. Homeowners in coastal areas, those near tidal waters, and properties located in Zone A or X_SHADED should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
13 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Queen Anne's County, Maryland has recorded 57 flood-related events since 1996 according to NOAA's Storm Events Database, including 32 flash floods and 10 river or area floods. The county has received 18 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2026)
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 |
| 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 |
| Hurricane Isabel | Hurricane | Sep 18, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Coastal Flood | Oct 30, 2025 | — |
| Coastal Flood | Jan 10, 2024 | 0.00K |
| Coastal Flood | Oct 29, 2021 | 0.00K |
| Flash Flood | Sep 23, 2021 | 0.00K |
| Flash Flood | Aug 13, 2020 | 0.00K |
| Flash Flood | Aug 7, 2020 | 0.00K |
| Tropical Storm | Aug 4, 2020 | — |
| Flash Flood | Aug 4, 2020 | 0.00K |
| Flash Flood | Jul 4, 2019 | 0.00K |
| Flash Flood | Oct 12, 2018 | 0.00K |
Coastal Flood — Oct 30, 2025
An area of low pressure moving through Maryland resulted in southerly flow and a push of water up the Chesapeake Bay. This resulted in some moderate tidal flooding around the Eastern Shore of Maryland.
Coastal Flood — Jan 10, 2024
A strong system affected the region with steady southerly flow pushing water up into coastal communities both along the ocean and within the Delaware River/Bay and Chesapeake Bay. Water levels on the tidal Delaware River were higher due to 2 to 4+ inches of rainfall.
Coastal Flood — Oct 29, 2021
Strong high pressure located in eastern Canada and slow moving low pressure approaching from the southeastern states resulted in a prolonged onshore flow along the Middle Atlantic coast. Moderate tidal flooding occurred along the upper eastern shore of Chesapeake Bay on the night of October 29.
Flash Flood — Sep 23, 2021
Thunderstorms produced locally heavy rain in northeastern Maryland on the morning of September 23. Rainfall totals were as high as 3 to 5 inches.
Flash Flood — Aug 13, 2020
Thunderstorms brought locally heavy rain to northeastern Maryland on August 13. Rainfall totals were as high as 2 to 3.5 inches.
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 Queen Anne's 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 Queen Anne's 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.