I have lived here forever and have never been flooded. Why do I need flood insurance?
The flood hazards shown on the Flood Insurance Rate Maps (FIRMs) are based on the best available information at the time the maps were prepared. In many areas, hydraulic and hydrologic studies were conducted to reflect the long-term projection of flood risk. The fact that a flood hasn’t occurred within memory does not mean one won’t happen soon.

The 100-year flood is a relatively rare event (1% chance in any given year), but structures located in the floodplain have a significant chance (26%) of suffering flood damage during the term of a 30-year mortgage. For these reasons, flood insurance is required as a condition of receiving federal or federally-backed financing. Please call 410-638-3103 for more information.

Show All Answers

1. What is a floodplain? How does the floodplain affect my property?
2. My home is located in a floodplain area. What are Harford County’s regulations regarding development or redevelopment in the floodplain?
3. I was told that I need an elevation certificate. What is that form and who is qualified to complete the elevation certificate?
4. I have lived here forever and have never been flooded. Why do I need flood insurance?
5. How can I see Harford County’s flood maps and find out more information?
6. Why did my bank tell me that flood insurance is mandatory?
7. How are rates determined for a flood insurance policy?
8. Where can I find out more about purchasing flood insurance?