Baltimore, MD Flood Zone Map
Last updated: August 2026
Baltimore faces flooding from the Inner Harbor, Patapsco River, Gwynns Falls, and Jones Falls. The 2016 Ellicott City floods in the metro area highlighted the devastating flash flood potential in the region.
Baltimore County has recorded 1,063 NFIP flood insurance claims since 1978, totaling $26.7M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 3
NFIP Policies
3,805
Baltimore County
Avg. Premium
$649/yr
Baltimore County
NFIP Flood Insurance Claims: Baltimore County
Properties in Baltimore County have filed 1,063 NFIP flood insurance claims totaling $26.7M in payouts since 1978. The average claim payout is $25K.
Highest-Claim Years
1979
188 claims - $2.5M
2003
155 claims - $7.7M
2018
80 claims - $1.3M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data. Maryland's county-level claims figures likely undercount older losses - roughly 18% of the state's historical claims, concentrated in pre-1990 records, predate county-level geocoding in FEMA's data and aren't reflected in the county totals above.
Flood Insurance Coverage: Baltimore County
Only roughly 1 in 61 households in Baltimore County carries NFIP flood insurance (2% of estimated households). With 67 recorded flood events and $4.9M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
2%
roughly 1 in 61 households
Historical Claims Ratio
1 in 4
1,063 claims over 45+ years across 3,805 current policies
Avg. Claim Payout
$25,130
Per claim, county-wide since 1978
Historically, Baltimore County has averaged 1 claim for every 4 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Baltimore. The claims figures above likely undercount older Maryland losses missing county-level geocoding in FEMA's data - see the claims section for detail.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Baltimore County
Baltimore County has 73 properties with multiple flood insurance losses, including 10 severe repetitive loss properties. 10 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
73
2+ claims within 10 years
Severe Repetitive Loss
10
4+ claims or 2 exceeding value
Mitigated
10
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Flood Insurance Discount: Baltimore
Baltimore participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Baltimore's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Federal Flood Disaster History: Baltimore County
Baltimore County has been included in 9 federal flood-related disaster declarations.
...and 2 earlier declarations since 1971.
These declarations affected communities across Baltimore County, including Baltimore.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Baltimore City (c) County
NOAA has recorded 67 flood events in Baltimore City (c) County since 1996, causing $4.9M in damage and 4 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Baltimore County
FEMA has funded mitigation for 57 properties in Baltimore County, investing $4.3M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
FEMA Flood Risk Profile: Baltimore County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $52.4M
Coastal Flood Risk
Relatively ModerateEst. annual loss: $559K
Hurricane Risk
Relatively ModerateEst. annual loss: $9.7M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Baltimore
Baltimore faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Baltimore are Zone AE, Zone AO, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $52.4M. Baltimore has Zone AO areas subject to sheet-flow flooding, where shallow water spreads across broad, flat terrain rather than channeling through waterways.
With both riverine and urban stormwater flood risk, insurance costs in Baltimore depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Baltimore can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Baltimore address.
Baltimore, MD Flood Zone FAQ
What flood zones are in Baltimore, MD?
The most common FEMA flood zones in Baltimore are Zone AE, Zone AO, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Baltimore?
If your Baltimore property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Baltimore?
Enter your Baltimore address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Baltimore offer flood insurance discounts?
Yes. Baltimore participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Baltimore experienced major flooding events?
Baltimore County, where Baltimore is located, has been part of 9 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Sandy in 2012. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Baltimore?
Baltimore County has recorded 1,063 NFIP flood insurance claims totaling $26.7M in payouts since 1978. The year with the most claims was 1979, with 188 claims and $2.5M in payouts. These figures cover all NFIP claims in the county, including Baltimore.
How many flood insurance policies are there in Baltimore?
Baltimore County had 3,805 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $649. The most policies are in Zone AE (2,081 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Baltimore properties have flooded repeatedly?
Baltimore County has 73 properties with multiple flood losses on record, including 10 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Baltimore property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Baltimore?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Baltimore's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Maryland Cities
Understanding Flood Zones
See the Flood Map for Any Baltimore, MD Address
Enter a Baltimore, MD address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.