Since Maryland is a state on the Eastern Seaboard, it can be susceptible to hurricanes, tropical storms, and flooding. Although your home insurance policy will cover damage from wind storms, it won’t cover water damage from floods.
Luckily, the Federal Emergency Management Agency (FEMA) offers separate flood insurance policies through the National Flood Insurance Program (NFIP), which are sold directly or through third-party businesses. If you want to protect your home from floods, check with an agent during the quote process to see if the company offers underwritten flood insurance policies in your ZIP code.