Out of 429 ZIP codes with data in Maryland, these are the highest-ranked areas for historical nfip claims. See also: National ZIP Codes with the Most Historical NFIP Claims | All Maryland Rankings
| Statistic | Value |
|---|---|
| ZIP codes ranked | 429 |
| Highest value | 1,913 claims |
| Median value | 16 claims |
| State | Maryland |
Top 100 Worst ZIP Codes
| Rank | ZIP Code | City | State | Historical NFIP Claims | Safety Score |
|---|---|---|---|---|---|
| 1 | 21842 | Ocean City | MD | 1,913 claims | — |
| 2 | 21220 | Middle River | MD | 923 claims | 64/100 |
| 3 | 21817 | Crisfield | MD | 796 claims | — |
| 4 | 21219 | Sparrows Point | MD | 661 claims | 64/100 |
| 5 | 21122 | Pasadena | MD | 593 claims | 82/100 |
| 6 | 21222 | Dundalk | MD | 525 claims | 64/100 |
| 7 | 20764 | Shady Side | MD | 452 claims | — |
| 8 | 21666 | Stevensville | MD | 451 claims | — |
| 9 | 21811 | Berlin | MD | 445 claims | — |
| 10 | 21613 | Cambridge | MD | 440 claims | 100/100 |
| 11 | 21403 | Annapolis | MD | 423 claims | 82/100 |
| 12 | 21037 | Edgewater | MD | 333 claims | 82/100 |
| 13 | 21638 | Grasonville | MD | 314 claims | — |
| 14 | 21654 | Oxford | MD | 232 claims | — |
| 15 | 21921 | Elkton | MD | 225 claims | 58/100 |
| 16 | 21043 | Ellicott City | MD | 223 claims | 63/100 |
| 17 | 21661 | Rock Hall | MD | 220 claims | — |
| 18 | 21221 | Essex | MD | 197 claims | 64/100 |
| 19 | 20674 | Piney Point | MD | 192 claims | — |
| 20 | 21619 | Chester | MD | 187 claims | — |
| 21 | 21229 | Baltimore | MD | 166 claims | 60/100 |
| 22 | 21634 | Fishing Creek | MD | 155 claims | — |
| 23 | 21030 | Cockeysville | MD | 154 claims | 64/100 |
| 24 | 21209 | Baltimore | MD | 151 claims | 64/100 |
| 25 | 20733 | Churchton | MD | 150 claims | — |
| 26 | 20782 | Hyattsville | MD | 150 claims | 83/100 |
| 27 | 21207 | Gwynn Oak | MD | 148 claims | 64/100 |
| 28 | 21795 | Williamsport | MD | 143 claims | 65/100 |
| 29 | 21502 | Cumberland | MD | 141 claims | — |
| 30 | 20751 | Deale | MD | 140 claims | — |
| 31 | 21231 | Baltimore | MD | 139 claims | 64/100 |
| 32 | 21901 | North East | MD | 138 claims | 77/100 |
| 33 | 20657 | Lusby | MD | 136 claims | 66/100 |
| 34 | 21821 | Deal Island | MD | 132 claims | — |
| 35 | 20714 | North Beach | MD | 131 claims | — |
| 36 | 21620 | Chestertown | MD | 121 claims | — |
| 37 | 21677 | Woolford | MD | 120 claims | — |
| 38 | 21208 | Pikesville | MD | 111 claims | 64/100 |
| 39 | 21904 | Port Deposit | MD | 111 claims | — |
| 40 | 20744 | Fort Washington | MD | 103 claims | 83/100 |
| 41 | 20732 | Chesapeake Beach | MD | 101 claims | 65/100 |
| 42 | 21230 | Baltimore | MD | 99 claims | 64/100 |
| 43 | 21228 | Catonsville | MD | 96 claims | 64/100 |
| 44 | 21853 | Princess Anne | MD | 96 claims | — |
| 45 | 20772 | Upper Marlboro | MD | 95 claims | 83/100 |
| 46 | 21871 | Westover | MD | 94 claims | — |
| 47 | 21671 | Tilghman | MD | 92 claims | — |
| 48 | 21146 | Severna Park | MD | 90 claims | 83/100 |
| 49 | 21663 | Saint Michaels | MD | 88 claims | — |
| 50 | 20687 | Scotland | MD | 86 claims | — |
| 51 | 21215 | Baltimore | MD | 84 claims | 64/100 |
| 52 | 21648 | Madison | MD | 84 claims | — |
| 53 | 21078 | Havre De Grace | MD | 81 claims | 59/100 |
| 54 | 21672 | Toddville | MD | 81 claims | — |
| 55 | 21012 | Arnold | MD | 80 claims | 83/100 |
| 56 | 20753 | District Heights | MD | 79 claims | — |
| 57 | 21401 | Annapolis | MD | 78 claims | 82/100 |
| 58 | 21622 | Church Creek | MD | 78 claims | — |
| 59 | 20650 | Leonardtown | MD | 77 claims | — |
| 60 | 20664 | Newburg | MD | 75 claims | — |
| 61 | 21211 | Baltimore | MD | 75 claims | 62/100 |
| 62 | 21001 | Aberdeen | MD | 73 claims | 48/100 |
| 63 | 21409 | Annapolis | MD | 73 claims | — |
| 64 | 20817 | Bethesda | MD | 72 claims | 67/100 |
| 65 | 20906 | Silver Spring | MD | 70 claims | 67/100 |
| 66 | 21669 | Taylors Island | MD | 70 claims | — |
| 67 | 21042 | Ellicott City | MD | 67 claims | 48/100 |
| 68 | 21801 | Salisbury | MD | 67 claims | — |
| 69 | 21804 | Salisbury | MD | 66 claims | — |
| 70 | 21838 | Marion Station | MD | 66 claims | — |
| 71 | 20748 | Temple Hills | MD | 65 claims | 83/100 |
| 72 | 21227 | Halethorpe | MD | 65 claims | 60/100 |
| 73 | 21701 | Frederick | MD | 65 claims | 66/100 |
| 74 | 20737 | Riverdale | MD | 63 claims | 83/100 |
| 75 | 21550 | Oakland | MD | 62 claims | — |
| 76 | 21742 | Hagerstown | MD | 62 claims | 67/100 |
| 77 | 21903 | Perryville | MD | 62 claims | 67/100 |
| 78 | 20706 | Lanham | MD | 61 claims | 83/100 |
| 79 | 20902 | Silver Spring | MD | 61 claims | 67/100 |
| 80 | 21204 | Towson | MD | 60 claims | 64/100 |
| 81 | 21777 | Point Of Rocks | MD | 60 claims | 66/100 |
| 82 | 20639 | Huntingtown | MD | 56 claims | — |
| 83 | 21093 | Lutherville Timonium | MD | 56 claims | — |
| 84 | 21601 | Easton | MD | 56 claims | — |
| 85 | 20735 | Clinton | MD | 55 claims | 83/100 |
| 86 | 20854 | Potomac | MD | 53 claims | 61/100 |
| 87 | 21562 | Westernport | MD | 52 claims | — |
| 88 | 20685 | Saint Leonard | MD | 51 claims | — |
| 89 | 21085 | Joppa | MD | 51 claims | 66/100 |
| 90 | 20601 | Waldorf | MD | 50 claims | 83/100 |
| 91 | 20659 | Mechanicsville | MD | 49 claims | — |
| 92 | 21060 | Glen Burnie | MD | 49 claims | — |
| 93 | 20722 | Brentwood | MD | 48 claims | 83/100 |
| 94 | 21162 | White Marsh | MD | 48 claims | 64/100 |
| 95 | 21202 | Baltimore | MD | 48 claims | 64/100 |
| 96 | 21210 | Baltimore | MD | 48 claims | 62/100 |
| 97 | 21539 | Lonaconing | MD | 48 claims | — |
| 98 | 21662 | Royal Oak | MD | 48 claims | — |
| 99 | 21813 | Bishopville | MD | 48 claims | — |
| 100 | 21914 | Charlestown | MD | 48 claims | 82/100 |
Methodology
This ranking uses historical FEMA National Flood Insurance Program claim records. The entity is not a complete inventory of properties, flood events, uninsured losses, or current FEMA map designations. ZIPs without claim evidence are unknown and are not ranked as zero or low risk.
Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-08-31.
Frequently Asked Questions
What does this ranking show?
It shows historical NFIP claim counts for ZIP records where FEMA claim evidence is available. It does not determine the current flood zone or risk of a specific property.
Where does the claim data come from?
The records come from FEMA National Flood Insurance Program claims. They do not include a complete inventory of uninsured losses or current property-map designations.
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