Maryland Home-Insurance Distress by County

Across Maryland, insurance distress averages 26/100 at the county level — below the national average, ranking 29th nationally. DLRadar tracks all 24 Maryland counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

The Maryland average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

Statewide, the pressure is driven by an average FEMA hazard score of 0/100 and average NFIP flood-claim stress of 77/100 — the exposures carriers price against and increasingly decline to renew, and why Maryland premiums climb faster than incomes.

Over three years, Maryland counties recorded 556 NFIP flood claims totaling $11,171,483 paid — the loss history insurers convert into higher premiums the next renewal.

The Maryland insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

Allegany County leads Maryland at 31/100, with Kent County close behind. The county-by-county breakdown below ranks every Maryland market by insurance distress, each linking to its full report.

The takeaway for Maryland is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

Insurance pressure in Maryland is most useful read against the rest: DLRadar aligns it with foreclosure, lender-stress and ownership data county by county, separating owners squeezed only by premiums from those under broader strain.

The Maryland numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 26/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Maryland's insurance-squeezed sellers ahead of the market.