Flood Mitigation Plan Update

We’re updating our Flood Mitigation Plan!

The Disaster Mitigation Act of 2000 enables communities to access post-disaster funding if they’ve developed pre-disaster mitigation plans. Calvert County’s current Flood Mitigation Plan is from 2011 and is in the process of being updated to better protect properties from rising sea levels and heavier precipitation events. Better mitigation efforts can result in lower flood insurance rates for Calvert property owners. Calvert’s Flood Mitigation Plan is incorporated into our overall Hazard Mitigation Plan.

National Flood Insurance Program (NFIP)

Calvert County participates in a federal insurance program that offers reduced flood insurance rates and disaster funding in return for Calvert County proactively reducing flooding risks. Calvert County does this through zoning regulations and public education. FEMA periodically updates Flood Insurance Rate Maps and Calvert’s were last updated in 2013; digital FIRMs are available here and delineate Calvert County into different flood-risk zones, including the Special Flood Hazard Area.

Approximately 11% of Calvert County is within the Special Flood Hazard Area. National Flood Insurance Program (NFIP) coverage is available to any Calvert County owner or renter of insurable property. It does not matter whether your flood risk is high or low. If you would like to purchase flood insurance, please contact any licensed property insurance agency or broker.

Did you know?

• If you are located in the Special Flood Hazard Area and you improve your structure by 50% or greater than its market value, you will need to abide by current flood-protecting measures to help protect your property.
• Approximately $25,000 worth of damage occurs for just one inch of floodwater above a floor, regardless of how long it’s there.
• Permits are required for all development in the Special Flood Hazard Area! All development, not just “buildings.”

Find information about NFIP, floodplain management and reporting flooding at www.calvertcountymd.gov/Floodplain.