Home insurance costs & natural hazards in Maryland
Plain facts for Maryland homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Maryland at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Maryland pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Maryland ZIP code saw homeowners premiums of $1,520 per policy in 2022, about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 9% between 2018 and 2022. The figures come from 423 Maryland ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 30,119 single-family NFIP policies took effect in Maryland in 2025, at an average full cost of $753, compared with $722 in 2022. About 50% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Maryland's 24 counties FEMA rates relatively high or very high for each hazard. The most widespread are winter weather, strong wind and lightning. Open any county for its full hazard profile.
Hazards across Maryland's counties
Maryland counties
All 24 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Allegany County | $1,036 | $1,067 | Relatively Low |
| Anne Arundel County | $1,654 | $618 | Relatively Moderate |
| Baltimore City | $1,582 | $648 | Relatively High |
| Baltimore County | $1,752 | $669 | Relatively Moderate |
| Calvert County | $1,856 | $767 | Very Low |
| Caroline County | $1,301 | $731 | Relatively Low |
| Carroll County | $1,398 | $968 | Relatively Low |
| Cecil County | $1,318 | $880 | Relatively Low |
| Charles County | $1,623 | $794 | Relatively Low |
| Dorchester County | $1,350 | $691 | Relatively Low |
| Frederick County | $1,370 | $743 | Relatively Low |
| Garrett County | $1,188 | $1,200 | Very Low |
| Harford County | $1,455 | $774 | Relatively Low |
| Howard County | $1,832 | $493 | Relatively Low |
| Kent County | $1,582 | $704 | Very Low |
| Montgomery County | $1,638 | $531 | Relatively Moderate |
| Prince George's County | $1,556 | $686 | Relatively Moderate |
| Queen Anne's County | $1,571 | $647 | Very Low |
| Somerset County | $1,343 | $647 | Relatively Low |
| St. Mary's County | $1,748 | $870 | Very Low |
| Talbot County | $2,426 | $655 | Very Low |
| Washington County | $1,196 | $1,010 | Relatively Low |
| Wicomico County | $1,307 | $712 | Relatively Low |
| Worcester County | $1,437 | $1,101 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Maryland homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.