Flood insurance cost · ZIP 21654 · MD

Flood insurance cost in ZIP 21654 (Oxford, MD)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 341 home policies in force on August 31, 2026.

ZIP code 21654 (Oxford, MD)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$685a year

Half of insured homes paid between $561 and $822. That is 5% more than the Talbot County median ($653). Most insured homes here are rated in zone AE (58%).

$0$561 · $685 · $822$1,028

+2.9% vs Aug 31, 2025 (median $666)

341home policies in force

$697average cost (mean)

59%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 ZIP code 21654

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 AE High risk	$716	$581–$862	$729	199 (58%)	+3.0%
Zone X Moderate to low risk	$642	$548–$760	$652	140 (41%)	+0.9%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 21654, by what they insure.

Type of building	Policies	Median	Average
Single-family home	334	$687	$699
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	17	$1,300	$1,531

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

367NFIP policies in force, any building

382insured units (condo association policies count every unit)

85%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 21654

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	354	341	−3.7%
Median annual cost	$666	$685	+2.9%
Average annual cost	$681	$697	+2.3%
All policies in force (any building)	388	367	−5.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 21654 have filed 232 flood claims. 196 received a payment, for a total of $4,981,846 (an average of $25,418 per paid claim). The year with the most claims was 2003 (135 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 (5)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	13	10	$205,199	$20,520
2021	14	13	$651,718	$50,132
2003	135	120	$3,430,782	$28,590
1996	18	16	$214,666	$13,417
1979	10	<10	–	–

From 2016 to 2026: 27 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.

NFIP communities in this ZIP code

Oxford (278 home policies) · Unincorporated Talbot County (62 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.