Menu

Flood insurance cost · Baltimore County, MD

Flood insurance cost in Baltimore County, Maryland

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,012 home policies in force on August 31, 2026.

Baltimore County, MarylandPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$602a year

Half of insured homes paid between $483 and $779. That is 9% less than the Maryland median ($660). Most insured homes here are rated in zone AE (55%).

$0$483 · $602 · $779$974
+2.9% vs Aug 31, 2025 (median $585)
3,012home policies in force
$685average cost (mean)
63%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 Baltimore 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		$687$538–$759$73431 (1%)+10.1%
Zone AE
High risk		$658$537–$813$7121,647 (55%)+3.6%
Zone A
High risk		$723$590–$1,010$1,061229 (8%)+2.6%
Zone X
Moderate to low risk		$494$394–$647$5641,105 (37%)+3.6%

Not shown (fewer than 10 home policies): AO, 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 Baltimore County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,948$602$684
2–4 unit building21$1,044$1,131
Condo or apartment unit37$393$457
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.		74$2,472$3,198
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		170$2,403$3,731

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

3,256NFIP policies in force, any building
3,370insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Baltimore 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 force3,1083,012−3.1%
Median annual cost$585$602+2.9%
Average annual cost$657$685+4.3%
All policies in force (any building)3,3573,256−3.0%

How many homes have flood insurance?

1.2%of all homes in Baltimore County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
259,538residential buildings counted by FEMA
0of 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 Baltimore County, Maryland have filed 3,370 flood claims. 2,516 received a payment, for a total of $70.3 million (an average of $27,934 per paid claim). The year with the most claims was 2003 (1,536 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 57 claims, 41 paid, $83,857 in total1979: 398 claims, 322 paid, $3,874,272 in total197919801981: 28 claims, 16 paid, $45,927 in total1983: 18 claims1984: 128 claims, 78 paid, $1,143,677 in total1985: 122 claims, 72 paid, $326,624 in total1989: 46 claims, 25 paid, $863,663 in total19901993: 21 claims, 12 paid, $224,878 in total1994: 10 claims1996: 184 claims, 110 paid, $1,035,160 in total19961998: 12 claims1999: 54 claims, 21 paid, $435,776 in total20002003: 1,536 claims, 1,316 paid, $50,648,846 in total20032004: 32 claims, 24 paid, $1,012,713 in total2006: 35 claims, 20 paid, $333,669 in total2008: 14 claims2009: 15 claims2010: 48 claims, 22 paid, $528,495 in total20102011: 147 claims, 97 paid, $3,137,565 in total2012: 51 claims, 29 paid, $399,186 in total2013: 12 claims2014: 46 claims, 29 paid, $724,278 in total2015: 21 claims, 10 paid, $84,962 in total2016: 35 claims, 29 paid, $1,257,067 in total2018: 54 claims, 36 paid, $485,944 in total2020: 15 claims20202021: 32 claims, 21 paid, $463,425 in total2023: 11 claims2024: 109 claims, 101 paid, $2,055,946 in total
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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024109101$2,055,946$20,356
202311<10––
20213221$463,425$22,068
202015<10––
20185436$485,944$13,498
20163529$1,257,067$43,347
20152110$84,962$8,496
20144629$724,278$24,975
201312<10––
20125129$399,186$13,765
201114797$3,137,565$32,346
20104822$528,495$24,022
200915<10––
200814<10––
20063520$333,669$16,683
20043224$1,012,713$42,196
20031,5361,316$50,648,846$38,487
19995421$435,776$20,751
199812<10––
1996184110$1,035,160$9,411
199410<10––
19932112$224,878$18,740
19894625$863,663$34,547
198512272$326,624$4,536
198412878$1,143,677$14,663
198318<10––
19812816$45,927$2,870
1979398322$3,874,272$12,032
19785741$83,857$2,045

From 2016 to 2026: 256 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 Baltimore County

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

Main NFIP communities in the county

Unincorporated Baltimore County (3,010 home policies)