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Flood insurance cost · Montgomery County, MD

Flood insurance cost in Montgomery County, Maryland

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,988 home policies in force on August 31, 2026.

Montgomery County, MarylandPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$452a year

Half of insured homes paid between $375 and $595. That is 32% less than the Maryland median ($660). Most insured homes here are rated in zone X (92%).

$0$375 · $452 · $595$744
+1.1% vs Aug 31, 2025 (median $447)
1,988home policies in force
$532average cost (mean)
8%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 Montgomery 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 AE
High risk		$684$563–$979$777114 (6%)+1.2%
Zone A
High risk		$846$696–$1,011$88137 (2%)+4.6%
Zone X
Moderate to low risk		$443$372–$565$5101,837 (92%)+1.1%

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

Type of buildingPoliciesMedianAverage
Single-family home1,924$453$534
Condo or apartment unit60$383$454
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.		31$2,688$4,191
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		33$1,337$2,461

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

2,052NFIP policies in force, any building
2,100insured units (condo association policies count every unit)
94%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Montgomery 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 force2,1091,988−5.7%
Median annual cost$447$452+1.1%
Average annual cost$523$532+1.7%
All policies in force (any building)2,1792,052−5.8%

How many homes have flood insurance?

0.8%of all homes in Montgomery County have an NFIP policy
51.1%of homes in high-risk zones (special flood hazard area) have one
257,826residential buildings counted by FEMA
305of 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 Montgomery County, Maryland have filed 779 flood claims. 460 received a payment, for a total of $4,789,502 (an average of $10,412 per paid claim). The year with the most claims was 1996 (103 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 28 claims, 17 paid, $68,142 in total1979: 57 claims, 39 paid, $365,901 in total19791980: 18 claims, 11 paid, $18,622 in total19801984: 13 claims1985: 19 claims, 16 paid, $125,831 in total19901996: 103 claims, 90 paid, $694,019 in total199620002003: 15 claims2006: 43 claims, 21 paid, $534,880 in total2009: 10 claims2010: 37 claims, 18 paid, $254,303 in total20102011: 27 claims, 12 paid, $257,649 in total2012: 25 claims, 12 paid, $47,344 in total2013: 13 claims, 10 paid, $49,047 in total2014: 55 claims, 35 paid, $250,949 in total20142015: 16 claims2016: 29 claims, 14 paid, $147,707 in total2017: 17 claims2018: 32 claims, 15 paid, $110,650 in total2019: 33 claims, 26 paid, $299,381 in total2020: 43 claims, 24 paid, $175,518 in total20202021: 33 claims, 24 paid, $714,259 in total2025: 21 claims, 15 paid, $326,084 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252115$326,084$21,739
20213324$714,259$29,761
20204324$175,518$7,313
20193326$299,381$11,515
20183215$110,650$7,377
201717<10––
20162914$147,707$10,550
201516<10––
20145535$250,949$7,170
20131310$49,047$4,905
20122512$47,344$3,945
20112712$257,649$21,471
20103718$254,303$14,128
200910<10––
20064321$534,880$25,470
200315<10––
199610390$694,019$7,711
19851916$125,831$7,864
198413<10––
19801811$18,622$1,693
19795739$365,901$9,382
19782817$68,142$4,008

From 2016 to 2026: 208 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 Montgomery County (1,667 home policies) · Rockville (129 home policies) · Gaithersburg (60 home policies) · Takoma Park (50 home policies) · Chevy Chase (14 home policies) · Poolesville (12 home policies)