Havre De Grace, Maryland Flood Zones
Last updated: March 2026
Havre De Grace sits at the confluence of the Susquehanna River and Chesapeake Bay in Harford County. The city faces flooding from both river overflow and Bay storm surge during major weather events.
Harford County has recorded 353 NFIP flood insurance claims since 1978, totaling $3.9M 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
878
Harford County
Avg. Premium
$663/yr
Harford County
FEMA Flood Risk Profile: Harford 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 ModerateEst. annual loss: $29.9M
Coastal Flood Risk
Relatively LowEst. annual loss: $109K
Hurricane Risk
Relatively ModerateEst. annual loss: $3.9M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Harford County
Harford County has been included in 10 federal flood-related disaster declarations.
...and 2 earlier declarations since 1971.
These declarations affected communities across Harford County, including Havre De Grace.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Harford County
Properties in Harford County have filed 353 NFIP flood insurance claims totaling $3.9M in payouts since 1978. The average claim payout is $11K.
Highest-Claim Years
2003
102 claims - $2.0M
1979
26 claims - $102K
1978
21 claims - $88K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Havre De Grace
Havre De Grace faces a combination of coastal and inland flood risks. Storm surge from hurricanes and tropical storms pushes seawater inland, while heavy rainfall simultaneously overwhelms rivers, bayous, and drainage infrastructure. This dual threat means flooding can come from multiple directions at once. The most common FEMA flood zone designations in Havre De Grace are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $29.9M. Properties in Havre De Grace's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Combined coastal and inland flood exposure in Havre De Grace means properties may face higher premiums than areas with only one flood source. FEMA's Risk Rating 2.0 accounts for multiple flood sources, including coastal surge distance, river proximity, and rainfall-driven flooding. 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 maps in areas with combined coastal and inland risk are among the most complex in the FEMA system. Major storms often trigger FEMA restudies that can significantly shift zone boundaries. Letters of Map Revision (LOMR) after hurricanes may expand SFHA coverage as new storm data is incorporated. Use our free lookup tool to check the current flood zone for any Havre De Grace address.
Flood Insurance Discount: Havre De Grace
Havre De Grace 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 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Havre De Grace's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Havre De Grace, MD Flood Zone FAQ
What flood zones are in Havre De Grace, MD?
The most common FEMA flood zones in Havre De Grace are Zone AE, Zone VE, 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 Havre De Grace?
If your Havre De Grace 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 over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Havre De Grace?
Enter your Havre De Grace 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 Havre De Grace offer flood insurance discounts?
Yes. Havre De Grace participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Havre De Grace experienced major flooding events?
Harford County, where Havre De Grace is located, has been part of 10 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 Havre De Grace?
Harford County has recorded 353 NFIP flood insurance claims totaling $3.9M in payouts since 1978. The year with the most claims was 2003, with 102 claims and $2.0M in payouts. These figures cover all NFIP claims in the county, including Havre De Grace.
How many flood insurance policies are active in Havre De Grace?
Harford County currently has 878 active NFIP flood insurance policies with an average annual premium of $663. The most policies are in Zone AE (448 policies). These figures cover all active NFIP policies in the county.
Can my Havre De Grace 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 Havre De Grace?
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 Havre De Grace's Zone AE and Zone VE 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
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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 March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.