Flood insurance in Maryland: cost by ZIP code and county
Maryland's 29,597 single-family flood policies cost a median $657 a year on July 31, 2026, well under the national median.
Median single-family flood bill, Maryland
$657
29,597 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $663 |
| Policies still below their full-risk price | 22 % |
| Median paid in August 2023 | $629 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $3,315 |
| Median claim paid, 2016 to 2025 (1,768 claims) | $8,869 |
Compiled by Radif Partners · Where the numbers come from · 338 ZIP codes and 24 counties of Maryland in FEMA's tables · not a quote
Flood insurance is cheap in Maryland by national standards. The median single-family bill was $657 on July 31, 2026, against $1,081 for the country, across 29,597 policies; that total includes the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. The state is also almost done with the transition to risk-based prices: the median full-risk bill is $663, a few dollars above the current one, and only 22 % of policies still pay less than their full-risk premium. In FEMA's 2023 tables, 76 % of Maryland homes had a full-risk price under $1,000, compared with 37 % nationally. The exception is Worcester County, the only Maryland county on the Atlantic and home of Ocean City, where the median bill reached $1,159 and 44 % of policies are still capped. Policies split evenly between A zones (median $798) and X zones (median $518).
Exposed shoreline, low prices
FEMA's 2023 data counted 66 % of the state's single-family policies as exposed to storm surge and 39 % to coastal erosion, second only to Maine among the states. Even so, prices are low. Anne Arundel County, with 4,364 policies, had a median bill of $586; Talbot County, on the Chesapeake Bay side of the Eastern Shore according to the Maryland State Archives, $656.
The zone mix points the same way. Only 305 Maryland policies fall in V zones, the coastal high hazard areas, and their median bill ($789) differs little from the A-zone median.
How a full-risk quote compares with Maryland homes
Single-family homes in Maryland with a lower full-risk price
80 %
| Full-risk price under $1,000 | 76 % |
| State median full-risk price, 2023 rates | $647 |
| Price entered | $1,200 |
The price bands confirm it. After the under $1,000 band, the next one ($1,000 to $2,000) held 20 % of Maryland homes in 2023, and every band above $2,000 together held less than 5 %. A quote far above those levels is unusual for the state and can be set against the ZIP median.
Worcester County is a different market
Worcester County, the state's only county on the Atlantic according to the Maryland State Archives, holds 5,394 policies, the most in the state, and its median full-risk bill is $1,306, so yearly increases of up to 18 % (25 % for a second home) continue there. A house insured as a second home or rental also pays the higher HFIAA surcharge of $250 instead of $25. The second home guide covers that case.
Washington suburbs and small claims
Montgomery and Prince George's counties together hold 4,077 policies, with medians of $453 and $524. Claims across the state are modest: 1,768 paid single-family claims over 2016 to 2025, median $8,869. No single storm dominates; the largest, Hurricane Isaias in 2020, paid 66 claims. A small median does not mean small risk for one house, and the coverage limits guide shows what a policy pays on a large loss.
The Maryland counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Worcester County | 5,394 | $1,159 | $1,306 | 44 % | 1 | $867 | $4,804 |
| Anne Arundel County | 4,364 | $586 | $592 | 13 % | 1 | $567 | $9,161 |
| Baltimore County | 3,010 | $602 | $611 | 19 % | 1 | $559 | $7,676 |
| Prince George's County | 2,111 | $524 | $531 | 21 % | 1 | $511 | $6,001 |
| Montgomery County | 1,966 | $453 | $454 | 12 % | 1 | $448 | $5,595 |
| Talbot County | 1,763 | $656 | $657 | 13 % | 1 | $649 | $15,842 |
| Queen Anne's County | 1,523 | $629 | $631 | 13 % | 1 | $604 | $9,331 |
| Somerset County | 1,510 | $513 | $515 | 15 % | 1 | $542 | $8,299 |
Full-risk prices of Maryland homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 23,738 | 76.0 % | $454,101 |
| $1,000 to $2,000 | 6,251 | 20.0 % | $484,680 |
| $2,000 to $3,000 | 949 | 3.0 % | $513,558 |
| $3,000 to $4,000 | 185 | 0.6 % | $514,998 |
| $4,000 to $5,000 | 62 | 0.2 % | $440,460 |
| $5,000 or more | 57 | 0.2 % |
The floods that paid the most Maryland claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Hurricane Isaias | 2020 | 66 | $1,240,707 |
| Hurricane Ida | 2021 | 40 | $1,190,119 |
| Hurricane Debby | 2024 | 36 | $466,873 |