Flood Insurance in Annapolis & Beyond
Homeowners Insurance Doesn’t Cover Flooding
One of the most common — and dangerous — misconceptions is that homeowners insurance covers flood damage. It doesn’t. Flood insurance is a separate policy designed to protect your home and belongings when rising water causes damage. In and around Annapolis, where proximity to the Chesapeake Bay, rivers, and heavy coastal storms increases flood risk, having the right coverage can make all the difference. Flood insurance helps you stay prepared when the waters rise.
What Does Flood Insurance Cover?
Building Coverage
Helps cover damage to your home’s structure, including foundation, walls, electrical systems, plumbing, HVAC, and major appliances. This protection is essential after storm surge or heavy rainfall flooding.
Contents Coverage
Covers personal belongings such as furniture, clothing, electronics, and household items damaged by floodwaters. Contents coverage is optional but strongly recommended.
NFIP & Private Flood Options
Most flood insurance policies are issued through the National Flood Insurance Program (NFIP), though private flood insurance may offer higher limits or broader coverage options depending on your property.
Do You Need Flood Insurance in Maryland?
Flood insurance is required if your home is in a designated high-risk FEMA flood zone and you have a mortgage. However, floods don’t only happen in high-risk areas. Heavy rain, nor’easters, hurricane remnants, and drainage overflow can cause flooding well outside mapped zones.
Many Annapolis-area homeowners choose flood insurance even when it’s not required — especially those near waterways, low-lying areas, or historic neighborhoods where water damage can be costly.
Important Flood Insurance Facts
Flood insurance has specific rules and limitations that are important to understand before a loss occurs.
| Topic | What to Know | Why It Matters |
|---|---|---|
| Flood Definition | Rising surface water | Covered only by flood insurance |
| Basement Limits | Some items not fully covered | Impacts finished basements |
| Waiting Period | Typically 30 days | Plan ahead before storms |
| Zone Changes | Maps can change | Coverage may still be wise |
Not sure if your property is at risk? We’ll help you review your flood zone and coverage options.
Common Questions About Flood Insurance
Does homeowners insurance cover floods?
No — flood damage is excluded from standard homeowners policies. Flood insurance is required for flood-related losses.
Is flood insurance required in Maryland flood zones?
Yes, if you have a mortgage and your property is in a high-risk flood zone, lenders typically require flood insurance.
How do I get flood insurance in Annapolis?
We can help check your flood zone, explain NFIP vs. private options, and secure the right policy for your property.
Is flood insurance expensive?
Costs vary by location and elevation, but many policies are affordable — especially compared to the cost of flood damage repairs.