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Flood insurance cost · MD

Flood insurance cost in Maryland

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 30,809 home policies in force on August 31, 2026.

MarylandPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$660a year

Half of insured homes paid between $463 and $963. That is 39% less than the national median ($1,082). The most common flood zone for insured homes here is zone X (49%).

$0$463 · $660 · $963$1,204
+2.8% vs Aug 31, 2025 (median $642)
30,809home policies in force
$776average cost (mean)
51%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Maryland, county by county.

Cost by flood zone in Maryland

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$775$614–$1,038$858323 (1%)+4.7%
Zone AE
High risk		$802$592–$1,142$91814,415 (47%)+2.6%
Zone A
High risk		$740$562–$1,106$975723 (2%)+0.5%
Zone AO
High risk, shallow		$844$654–$1,084$917100 (0%)+2.2%
Zone AH
High risk, shallow		$1,483$1,336–$1,899$1,70186 (0%)+13.0%
Zone X
Moderate to low risk		$523$394–$749$62515,162 (49%)+1.6%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Maryland, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home28,999$657$773
2–4 unit building476$1,191$1,206
Manufactured (mobile) home286$860$972
Condo or apartment unit1,048$560$614
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		2,331$2,901$4,068
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,192$2,208$3,133
35,332NFIP policies in force, any building
61,336insured units (condo association policies count every unit)
82%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Maryland

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force32,09130,809−4.0%
Median annual cost$642$660+2.8%
Average annual cost$742$776+4.6%
All policies in force (any building)36,76335,332−3.9%

Flood claims history

Since 1978, NFIP policyholders in Maryland have filed 25,376 flood claims. 15,081 received a payment, for a total of $341.2 million (an average of $22,626 per paid claim). The year with the most claims was 2003 (6,581 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 436 claims, 152 paid, $456,478 in total1979: 1,718 claims, 810 paid, $8,625,566 in total19791980: 426 claims, 32 paid, $131,996 in total19801981: 668 claims, 95 paid, $390,487 in total1982: 709 claims, 24 paid, $45,856 in total1983: 1,005 claims, 60 paid, $167,517 in total1984: 985 claims, 275 paid, $2,874,913 in total1985: 1,355 claims, 624 paid, $5,488,454 in total1986: 144 claims1987: 52 claims, 10 paid, $57,080 in total1988: 30 claims, 15 paid, $119,748 in total1989: 152 claims, 80 paid, $1,458,737 in total1990: 24 claims19901991: 72 claims, 44 paid, $323,708 in total1992: 458 claims, 333 paid, $4,575,674 in total1993: 115 claims, 52 paid, $382,099 in total1994: 85 claims, 48 paid, $738,475 in total1995: 44 claims, 23 paid, $478,891 in total1996: 1,368 claims, 955 paid, $12,006,288 in total1997: 31 claims, 10 paid, $28,845 in total1998: 581 claims, 401 paid, $2,637,526 in total1999: 472 claims, 260 paid, $4,625,191 in total2000: 60 claims, 28 paid, $212,435 in total20002001: 36 claims, 19 paid, $155,471 in total2002: 32 claims, 12 paid, $191,698 in total2003: 6,581 claims, 5,408 paid, $175,393,795 in total20032004: 237 claims, 162 paid, $5,406,961 in total2005: 86 claims, 37 paid, $293,394 in total2006: 483 claims, 343 paid, $7,569,284 in total2007: 28 claims2008: 188 claims, 120 paid, $1,771,535 in total2009: 180 claims, 110 paid, $860,023 in total2010: 280 claims, 153 paid, $1,791,582 in total20102011: 793 claims, 522 paid, $10,329,380 in total2012: 1,736 claims, 1,294 paid, $22,863,165 in total20122013: 139 claims, 79 paid, $768,724 in total2014: 450 claims, 302 paid, $7,928,511 in total2015: 141 claims, 58 paid, $571,902 in total2016: 276 claims, 197 paid, $11,335,905 in total2017: 110 claims, 62 paid, $722,572 in total2018: 606 claims, 429 paid, $13,181,749 in total2019: 196 claims, 130 paid, $2,374,843 in total2020: 401 claims, 275 paid, $4,749,201 in total20202021: 587 claims, 449 paid, $12,478,093 in total2022: 128 claims, 82 paid, $1,219,144 in total2023: 114 claims, 60 paid, $2,048,012 in total2024: 414 claims, 325 paid, $8,257,128 in total2025: 135 claims, 95 paid, $2,966,701 in total2026: 29 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202629<10––
202513595$2,966,701$31,228
2024414325$8,257,128$25,407
202311460$2,048,012$34,134
202212882$1,219,144$14,868
2021587449$12,478,093$27,791
2020401275$4,749,201$17,270
2019196130$2,374,843$18,268
2018606429$13,181,749$30,727
201711062$722,572$11,654
2016276197$11,335,905$57,543
201514158$571,902$9,860
2014450302$7,928,511$26,253
201313979$768,724$9,731
20121,7361,294$22,863,165$17,669
2011793522$10,329,380$19,788
2010280153$1,791,582$11,710
2009180110$860,023$7,818
2008188120$1,771,535$14,763
200728<10––
2006483343$7,569,284$22,068
20058637$293,394$7,930
2004237162$5,406,961$33,376
20036,5815,408$175,393,795$32,432
20023212$191,698$15,975
20013619$155,471$8,183
20006028$212,435$7,587
1999472260$4,625,191$17,789
1998581401$2,637,526$6,577
19973110$28,845$2,884
19961,368955$12,006,288$12,572
19954423$478,891$20,821
19948548$738,475$15,385
199311552$382,099$7,348
1992458333$4,575,674$13,741
19917244$323,708$7,357
199024<10––
198915280$1,458,737$18,234
19883015$119,748$7,983
19875210$57,080$5,708
1986144<10––
19851,355624$5,488,454$8,796
1984985275$2,874,913$10,454
19831,00560$167,517$2,792
198270924$45,856$1,911
198166895$390,487$4,110
198042632$131,996$4,125
19791,718810$8,625,566$10,649
1978436152$456,478$3,003

From 2016 to 2026: 2,996 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Maryland

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Garrett County70$1,126

ZIP codes with the most insured homes