Flood insurance in Prince George's County, Maryland
How many buildings are insured against floods, what policies cost, and how much FEMA's flood insurance program has paid out, from official NFIP records.
Flood claims paid per year
NFIP claims paid in Prince George's County, 2000–2026
The three costliest years. The worst was 2020, with $2.1 million paid on 163 claims.
Insured buildings by flood zone
Zone not reported for 48% of policies; shares are of policies with a known zone.
Costliest flood events
Named events by NFIP claims paid in Prince George's County
| Event | Year | Claims | Paid |
|---|---|---|---|
| Mid-spring storms | 2014 | 39 | $326 thousand |
| Hurricane Irene | 2011 | 52 | $300 thousand |
| Hurricane Isabel | 2003 | 21 | $207 thousand |
| December Nor'easter | 2023 | 6 | $69 thousand |
| Hurricane Isaias | 2020 | 11 | $61 thousand |
Flood insurance by ZIP code
ZIP codes in Prince George's County with at least 50 policies
| ZIP | Policies | Avg premium | Claims since 1978 | Paid |
|---|---|---|---|---|
| 20745 | 617 | $1,212 | 30 | $223 thousand |
| 20782 | 269 | $1,075 | 150 | $1.1 million |
| 20772 | 221 | $650 | 95 | $688 thousand |
| 20744 | 159 | $494 | 103 | $1.4 million |
| 20781 | 159 | $1,720 | 30 | $473 thousand |
| 20708 | 129 | $435 | 16 | $63 thousand |
| 20743 | 122 | $630 | 41 | $146 thousand |
| 20707 | 118 | $579 | 22 | $101 thousand |
| 20737 | 110 | $990 | 63 | $375 thousand |
| 20774 | 109 | $352 | 39 | $133 thousand |
| 20735 | 107 | $370 | 55 | $489 thousand |
| 20740 | 99 | $914 | 31 | $143 thousand |
| 20722 | 88 | $1,450 | 48 | $595 thousand |
| 20785 | 82 | $1,267 | 21 | $31 thousand |
| 20748 | 76 | $458 | 65 | $182 thousand |
Common questions
How much does flood insurance cost in Prince George's County?
The average NFIP flood insurance policy in Prince George's County costs about $759 a year. The Maryland average is $817. Your own premium depends on your building's flood risk, elevation and the coverage you choose.
How many homes have flood insurance in Prince George's County?
There are about 3,180 National Flood Insurance Program policies in force in Prince George's County, according to FEMA's latest policy data. Private flood policies are not included.
How often does Prince George's County flood?
Since 1978, NFIP policyholders in Prince George's County have filed 1,158 flood claims, with $7.9 million paid out. 420 of those claims were in the last 10 years.
Does homeowners insurance cover flooding?
No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.
How long until a new flood policy starts?
NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.
How to get flood insurance
Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.