Flood history / Maryland
Maryland
flood claim history.
Across the 41 Maryland ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $223.3M on 12,587 claims between 1978 and 2026. ZIP 21842 in Worcester County carries the most at 1,913, 15.2% of the state total shown here.
The events driving the most paid claims across these ZIPs are Hurricane Isabel (4,783 claims), Hurricane Sandy (1,123 claims) and Hurricane Fran (419 claims).
20.3% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Maryland ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 21842 | Worcester County | 1,913 | $14.0M | 2012 500 |
| 21220 | Baltimore County | 923 | $27.8M | 2003 594 |
| 21817 | Somerset County | 796 | $9.6M | 2012 466 |
| 21219 | Baltimore County | 661 | $15.6M | 2003 402 |
| 21122 | Anne Arundel County | 593 | $12.1M | 2003 311 |
| 21222 | Baltimore County | 525 | $8.3M | 2003 379 |
| 20764 | Anne Arundel County | 452 | $8.2M | 2003 370 |
| 21666 | Queen Anne's County | 451 | $4.4M | 2003 257 |
| 21811 | Worcester County | 445 | $4.2M | 1998 148 |
| 21613 | Dorchester County | 440 | $9.5M | 2003 288 |
| 21403 | Anne Arundel County | 423 | $8.1M | 2003 256 |
| 21037 | Anne Arundel County | 333 | $6.5M | 2003 206 |
| 21638 | Queen Anne's County | 314 | $5.7M | 2003 256 |
| 21654 | Talbot County | 232 | $5.0M | 2003 135 |
| 21921 | Cecil County | 225 | $6.0M | 2003 50 |
| 21043 | Howard County | 224 | $14.6M | 2018 90 |
| 21661 | Kent County | 220 | $5.6M | 2003 178 |
| 21221 | Baltimore County | 197 | $2.9M | 2003 117 |
| 20674 | St. Mary's County | 192 | $3.4M | 2003 98 |
| 21619 | Queen Anne's County | 187 | $2.7M | 2003 128 |
| 21229 | Baltimore city | 166 | $1.7M | 2018 51 |
| 21634 | Dorchester County | 155 | $2.8M | 2003 94 |
| 21030 | Baltimore County | 154 | $4.6M | 1979 39 |
| 21209 | Baltimore city | 151 | $3.6M | 1979 50 |
| 20733 | Anne Arundel County | 150 | $2.4M | 2003 104 |
| 20782 | Prince George's County | 150 | $1.1M | 2006 47 |
| 21207 | Baltimore County | 148 | $1.7M | 1984 24 |
| 21795 | Washington County | 143 | $1.8M | 1996 75 |
| 21502 | Allegany County | 141 | $1.6M | 1996 51 |
| 20751 | Anne Arundel County | 140 | $2.3M | 2003 105 |
| 21231 | Baltimore city | 139 | $5.9M | 2003 107 |
| 21901 | Cecil County | 138 | $2.5M | 2003 43 |
| 20657 | Calvert County | 136 | $2.0M | 2003 67 |
| 21821 | Somerset County | 132 | $1.1M | 2012 55 |
| 20714 | Calvert County | 131 | $3.1M | 2003 63 |
| 21620 | Kent County | 121 | $3.0M | 2003 83 |
| 21677 | Dorchester County | 120 | $2.1M | 2003 76 |
| 21208 | Baltimore County | 111 | $1.1M | 1979 50 |
| 21904 | Cecil County | 111 | $1.2M | 2011 37 |
| 20744 | Prince George's County | 103 | $1.4M | 2011 12 |
| 20732 | Calvert County | 101 | $1.9M | 2003 60 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.