Maryland Insurance Administration

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 Flood Insurance

MIA Website Headers.png ​Are you flood prepared?​

Flood damage is one of the most common and costly disasters in the United States. Flooding can occur almost anywhere, even if you do not live in a high-risk area known as a “special hazard flood zone.” 

​​It is important that homeowners, renters and business owners evaluate their risks and take steps to protect their homes and businesses from flooding. One way to manage your risks is to purchase additional insurance to cover damage caused by flooding.​​​​​
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  • Most standard homeowners and renters policies do not cover flood damage. You need a separate flood insurance policy for that protection.
  • Check your flood risk even if you’re not in a “high-risk” zone. 
  • Don’t wait! Most flood insurance policies have a 30-day waiting period.
  • Understand your coverage limits. Flood insurance typically covers both the structure and your personal belongings, but there are limits. 
  • Keep important documents in a water-proof spa​ce or the cloud. Update your home inventory by using the Home Inv​entory App.

Learn more about Flood Insurance:​​

Resources from our Partners:

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​Watch this video on Flood Insurance Tips:​​​

 

​Test your knowledge of flood-related insurance with this interactive quiz:

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​To learn more about our consumer education and advocacy initiatives, read our Consumer Publications. These materials provide information about most types of insurance from auto, homeowners, health and life policies to annuities, title insurance and coverage for boats.​

If your community group, HOA or organization is interested in a virtual or in-person presentation or speaker, contact Associate Commissioner Patricia Dorn at patricia.​[email protected]​​ or click here.

Maryland Insurance Administration
200 St. Paul Place
Suite 2700
Baltimore, MD 21202
410-468-2000
1-800-492-6116 (toll free)
1-800-735-2258 (TTY)