Maryland Home-Insurance Distress by County

Home-insurance distress across Maryland is below the national norm: 24 counties average 26/100, 31st of 52 states.

Maryland's reading rests on a FEMA hazard average of 0/100 and NFIP flood-claim stress of 76/100.

Over three years Maryland counties filed 578 NFIP flood claims, $11,280,619 paid.

Highest in Maryland: Allegany County 32/100 (#1572 US), Kent County 30/100 (#1603 US), Cecil County 30/100 (#1608 US), Baltimore County 30/100 (#1611 US), Anne Arundel County 30/100 (#1617 US).

Maryland counties by insurance band: 24 low (Maryland); Maryland NFIP claims, three years: 578; Maryland payouts $11.3 million.

Maryland counties with the most NFIP claims: Baltimore 118 ($2.1 million); Anne Arundel 95 ($1.7 million); Dorchester 61 ($1.3 million) in Maryland; Allegany 36 ($1.9 million); Queen Anne's 34 ($459,929).

Maryland county average fell: 26.3 in March 2026; Maryland reads 25.9 in October 2026; Maryland by month: March 26.3, April 26.3, May 26.3 (Maryland), June 26.3, July 26.3, August 26.3 (Maryland), September 26.3, October 25.9.

Highest Maryland ZIPs, insurance distress: 60609 0 (climate 100), 60426 0 (climate 100) in Maryland, 60643 0 (climate 100), 60456 0 (climate 100) in Maryland, 60653 0 (climate 100), 60546 0 (climate 100) in Maryland.

Reading the Maryland bands: 0 of 24 Maryland counties sit in a high or worse insurance band; Maryland filed 578 NFIP claims in three years, $11.3 million paid to Maryland policyholders; a Maryland county's band moves when FEMA hazard revisions, new Maryland NFIP settlements or carrier filings change its monthly score.