Flood Insurance in Maryland | Heist Insurance Agency

Protect your home with FLOOD INSURANCE

Flood maps will help you understand your risk of flooding. The State of Maryland in conjunction with the Federal Emergency Management Agency (FEMA) has been systematically updating Flood Insurance Rate Maps (FIRMs) for communities over the past several years. The Maryland Flood Insurance Digital Rate Maps site is designed to guide homeowners as well as communities through the process of determining their current flood risk as well as future flood risk based on the preliminary Digital Flood Insurance Rate Maps (DFIRMs).

To learn more about emergency flooding resources visit the Maryland Department of Emergency Management.

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Flood Risks for Homes in Maryland

Maryland, with its 3,100 miles of tidal shoreline along both the Chesapeake Bay and its tributaries and the state's Atlantic Ocean shoreline and coastal bays is highly vulnerable to flooding. Flooding, from hurricanes, rain or storm surge is Maryland's most costly natural disaster. It's not just the coast that is vulnerable to flooding, its anywhere there is tidal waters and anywhere it rains!

Because of its location near the Atlantic Coast, Maryland sees its share of tropical storms, although the Delmarva Peninsula and the outer banks of North Carolina provide a large buffer. The buffer helps Maryland avoid major hurricanes, and mostly it sees the remnants of a tropical system that has already come ashore and released most of its energy. Maryland averages around 30–40 days of thunderstorms a year, and averages around six tornado strikes annually.

Why do you need flood insurance?

Homes in high-risk flood areas are required to carry flood insurance.
Any property, regardless of flood zone, is susceptible to flooding as most floods are caused by heavy rain or melting snow with already saturated ground.
Construction and new development is changing the natural drainage of water making more areas prone to flooding.

What can you do to protect yourself?

Purchase flood insurance from FEMA's National Flood Insurance Program or through a Private Market carrier.

What coverage is available?

Up to $250,000 of dwelling through NFIP
Up to $100,000 of personal property through NFIP
Additional limits are available through Private Market carriers or excess flood markets.

You Can Count on Us to Make Insurance EZ!

Whether you live in the beach town of Ocean City, the quaint towns along the Chesapeake Bay or the urban areas around Baltimore, Maryland makes a great place to raise a family, work or vacation. You may be out for a day of crabbing for Maryland's famous blue claw crabs, fishing its bountiful waterways, delighting in its world-famous crabcakes, or watching the wild ponies on Assateague, and you know that Maryland offers something for everyone.

At Heist Insurance Agency, we make it EZ to get the protection you need to enjoy the coastal life you've worked hard for. We will put together a policy that is right for you where you live, how you live and when you live at your home.