Flood insurance cost in Maryland
In Maryland, the lowest private flood insurance quote ran $695 a year and the typical private quote ran $1,438. The NFIP quote ran $1,229.
Private and NFIP quotes compared
Median annual premiums from 310 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Residential properties | $693 | $1,433 | $1,199 | 307 |
How quotes have moved since 2020
- Lowest private quote$579 in 2021
- Typical private quote$1,049 in 2021
- NFIP quote$3,148 in 2021
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $1,487 | $1,979 | $3,076 | 307 |
| 2021 | $579 | $1,049 | $3,148 | 256 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Maryland?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Maryland was $1,438 a year and the lowest private quote a property received was $695. NFIP quotes ran $1,229. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Where do these numbers come from?
- From 310 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Maryland
- Flood insurance in Maryland: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.