Flood insurance cost · Cecil County, MD

Flood insurance cost in Cecil County, Maryland

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 514 home policies in force on August 31, 2026.

Cecil County, MarylandPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$844a year

Half of insured homes paid between $630 and $1,122. That is 28% more than the Maryland median ($660). Most insured homes here are rated in zone AE (63%).

$0$630 · $844 · $1,122$1,402

+3.6% vs Aug 31, 2025 (median $815)

514home policies in force

$941average cost (mean)

71%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 Cecil 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$903	$826–$1,060	$926	12 (2%)	+8.5%
Zone AE High risk	$884	$702–$1,133	$980	326 (63%)	+4.5%
Zone A High risk	$1,705	$1,438–$1,971	$1,719	28 (5%)	+7.2%
Zone X Moderate to low risk	$630	$468–$874	$710	148 (29%)	+2.4%

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 Cecil County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	483	$839	$924
2–4 unit building	17	$1,265	$1,469
Condo or apartment unit	12	$727	$750
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.	20	$7,458	$6,432
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	58	$2,626	$2,990

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

592NFIP policies in force, any building

837insured units (condo association policies count every unit)

73%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Cecil 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, 2025	Aug 31, 2026	Change
Home policies in force	531	514	−3.2%
Median annual cost	$815	$844	+3.6%
Average annual cost	$890	$941	+5.7%
All policies in force (any building)	615	592	−3.7%

How many homes have flood insurance?

1.4%of all homes in Cecil County have an NFIP policy

40.7%of homes in high-risk zones (special flood hazard area) have one

38,662residential buildings counted by FEMA

928of 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 Cecil County, Maryland have filed 707 flood claims. 566 received a payment, for a total of $14.3 million (an average of $25,338 per paid claim). The year with the most claims was 2003 (192 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (12)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	28	22	$934,560	$42,480
2021	22	19	$1,235,879	$65,046
2020	22	20	$693,991	$34,700
2014	17	16	$469,820	$29,364
2012	17	12	$48,308	$4,026
2011	82	66	$1,546,411	$23,430
2004	64	46	$758,497	$16,489
2003	192	167	$6,138,392	$36,757
1999	46	32	$1,065,280	$33,290
1996	55	46	$780,886	$16,976
1979	37	33	$80,058	$2,426
1978	33	26	$97,015	$3,731

From 2016 to 2026: 72 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.

Main NFIP communities in the county

Unincorporated Cecil County (385 home policies) · North East (42 home policies) · Port Deposit (38 home policies) · Charlestown (21 home policies) · Perryville (13 home policies) · Elkton (11 home policies)