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Flood insurance cost · Anne Arundel County, MD

Flood insurance cost in Anne Arundel County, Maryland

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 4,363 home policies in force on August 31, 2026.

Anne Arundel County, MarylandPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$584a year

Half of insured homes paid between $426 and $769. That is 12% less than the Maryland median ($660). Most insured homes here are rated in zone X (62%).

$0$426 · $584 · $769$961
+2.5% vs Aug 31, 2025 (median $570)
4,363home policies in force
$625average cost (mean)
38%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.

Cost by flood zone in Anne Arundel County

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		$696$567–$840$735102 (2%)+3.1%
Zone AE
High risk		$715$575–$879$7461,505 (34%)+2.7%
Zone A
High risk		$516$464–$682$57844 (1%)+2.8%
Zone AO
High risk, shallow		$655$516–$717$63621 (0%)+10.3%
Zone X
Moderate to low risk		$498$375–$672$5542,691 (62%)+2.3%

Not shown (fewer than 10 home policies): AH, 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 Anne Arundel County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,269$589$628
2–4 unit building15$499$615
Condo or apartment unit79$408$455
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.		60$2,040$2,161
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		186$1,571$1,861

Not shown (fewer than 10 policies): manufactured (mobile) home.

4,609NFIP policies in force, any building
5,209insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Anne Arundel County

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 force4,5244,363−3.6%
Median annual cost$570$584+2.5%
Average annual cost$608$625+2.8%
All policies in force (any building)4,7644,609−3.3%

How many homes have flood insurance?

2.5%of all homes in Anne Arundel County have an NFIP policy
113.3%of homes in high-risk zones (special flood hazard area) have one
176,381residential buildings counted by FEMA
1,499of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Anne Arundel County, Maryland have filed 2,832 flood claims. 2,026 received a payment, for a total of $53.1 million (an average of $26,228 per paid claim). The year with the most claims was 2003 (1,579 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 10 claims1979: 93 claims, 65 paid, $561,948 in total19801983: 15 claims1985: 94 claims, 54 paid, $185,094 in total1989: 16 claims19901996: 177 claims, 97 paid, $851,479 in total19961998: 10 claims1999: 59 claims, 26 paid, $95,111 in total20002003: 1,579 claims, 1,291 paid, $43,226,110 in total20032004: 13 claims2006: 25 claims, 11 paid, $571,716 in total2008: 32 claims, 20 paid, $141,668 in total2009: 10 claims2010: 62 claims, 43 paid, $316,334 in total20102011: 79 claims, 50 paid, $458,426 in total2012: 34 claims, 19 paid, $276,735 in total2013: 18 claims2014: 73 claims, 47 paid, $1,288,080 in total2015: 26 claims, 13 paid, $90,371 in total2016: 15 claims2018: 43 claims, 30 paid, $267,277 in total2020: 29 claims, 13 paid, $84,401 in total20202021: 96 claims, 70 paid, $2,265,374 in total20212022: 15 claims2023: 13 claims2024: 80 claims, 63 paid, $1,660,405 in total2025: 11 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202511<10––
20248063$1,660,405$26,356
202313<10––
202215<10––
20219670$2,265,374$32,362
20202913$84,401$6,492
20184330$267,277$8,909
201615<10––
20152613$90,371$6,952
20147347$1,288,080$27,406
201318<10––
20123419$276,735$14,565
20117950$458,426$9,169
20106243$316,334$7,357
200910<10––
20083220$141,668$7,083
20062511$571,716$51,974
200413<10––
20031,5791,291$43,226,110$33,483
19995926$95,111$3,658
199810<10––
199617797$851,479$8,778
198916<10––
19859454$185,094$3,428
198315<10––
19799365$561,948$8,645
197810<10––

From 2016 to 2026: 302 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.

ZIP codes in Anne Arundel County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Anne Arundel County (4,073 home policies) · Annapolis (275 home policies) · Highland Beach (14 home policies)