Start with official mapping
Maryland’s DFIRM mapping tool provides a starting point for researching mapped flood hazards. Local planning and permit departments may publish related floodplain information or elevation-certificate resources. Confirm that you are viewing the correct property and the relevant map information.
Questions to resolve
- Identify the parcel and building location on the map.
- Review the map’s date and whether the displayed information is effective or preliminary.
- Ask the local floodplain office about available elevation information and development requirements.
- Discuss insurance requirements and coverage options with your lender and insurance professional.
A map has practical limits
A location outside a mapped high-risk area can still experience flooding. Mapping is not an inspection, insurance quote or guarantee of future conditions. Property drainage, prior events and building characteristics may need separate investigation.
Before renovation or closing
Resolve questions about floodplain approvals and insurance early enough to act on the answers. If a local agency supplies additional records, keep them with the property file and share relevant information with the professionals helping with your transaction or project.
Use the source agency’s current instructions for your property and circumstances. This guide is general information, not an eligibility decision or legal or tax advice.