Flood Insurance Rate Maps

Effective July 20, 2016, the Talbot County Council adopted a new Flood Insurance Study (FIS) and Flood Insurance Rate Maps (FIRMS).  The FIS and FIRMs were updated by the Federal Emergency Management Agency as part of a National Flood Insurance Program conversion to digital or DFIRM maps.  Talbot County legislative Bill 1325 adopted the updated FIS and FIRMs.  Use the resources below to learn more about Flood Insurance Rate Maps and to find out if your property is in a Special Flood Hazard Area. 

FEMA's Flood Map Service Center

Flood Insurance Study

Legislative Bill 1325                               

Maryland's DFIRM Website

Talbot County's Flood Risk Map

Owners of properties on updated FIRMS that are mapped from a high risk zone to a low or moderate risk zone may be eligible for reduced insurance rates by converting to a Preferred Risk Policy (PRP).  A PRP covers the struture and its contents and offers substantial savings.  There are also ways for owners of some structures moving into high-risk flood zones to save.  Existing policyholders may be able to use the rate charged for the lower-risk zone through a process known as "grandfathering".

Find more information about grandfathering and how it may affect your flood insurance policy:

Saving on Flood Insurance:  Information about the NFIP's Grandfathering Rules.

Why buy Flood Insurance? 

Page last modified Saturday, January 30, 2021 3:04:57 PM