ZIP Codes with Highest Flood Risk in Maryland

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	99/100
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	21401	Annapolis	MD	78 claims	82/100
57	21622	Church Creek	MD	78 claims	—
58	20650	Leonardtown	MD	77 claims	—
59	20664	Newburg	MD	75 claims	—
60	21211	Baltimore	MD	75 claims	62/100
61	21001	Aberdeen	MD	73 claims	48/100
62	21409	Annapolis	MD	73 claims	—
63	20817	Bethesda	MD	72 claims	67/100
64	20906	Silver Spring	MD	70 claims	67/100
65	21669	Taylors Island	MD	70 claims	—
66	21042	Ellicott City	MD	67 claims	48/100
67	21801	Salisbury	MD	67 claims	—
68	21804	Salisbury	MD	66 claims	—
69	21838	Marion Station	MD	66 claims	—
70	20748	Temple Hills	MD	65 claims	83/100
71	21227	Halethorpe	MD	65 claims	60/100
72	21701	Frederick	MD	65 claims	66/100
73	20737	Riverdale	MD	63 claims	83/100
74	21550	Oakland	MD	62 claims	—
75	21742	Hagerstown	MD	62 claims	67/100
76	21903	Perryville	MD	62 claims	67/100
77	20706	Lanham	MD	61 claims	83/100
78	20902	Silver Spring	MD	61 claims	67/100
79	21204	Towson	MD	60 claims	64/100
80	21777	Point Of Rocks	MD	60 claims	66/100
81	20639	Huntingtown	MD	56 claims	—
82	21093	Lutherville Timonium	MD	56 claims	—
83	21601	Easton	MD	56 claims	—
84	20735	Clinton	MD	55 claims	83/100
85	20854	Potomac	MD	53 claims	61/100
86	21562	Westernport	MD	52 claims	—
87	20685	Saint Leonard	MD	51 claims	—
88	21085	Joppa	MD	51 claims	66/100
89	20601	Waldorf	MD	50 claims	83/100
90	20659	Mechanicsville	MD	49 claims	—
91	21060	Glen Burnie	MD	49 claims	—
92	20722	Brentwood	MD	48 claims	83/100
93	21162	White Marsh	MD	48 claims	64/100
94	21202	Baltimore	MD	48 claims	64/100
95	21210	Baltimore	MD	48 claims	62/100
96	21539	Lonaconing	MD	48 claims	—
97	21662	Royal Oak	MD	48 claims	—
98	21813	Bishopville	MD	48 claims	—
99	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: 2026-10-18.

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.

ZIP Codes with Highest Flood Risk in Maryland — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

What does this ranking show?

Where does the claim data come from?

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