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FEMA Issued Preliminary Flood Maps

On behalf of Federal Emergency Management Agency (FEMA) Region 3 and Maryland Department of the Environment (MDE), Preliminary Flood Insurance Rate Maps (FIRMs) and the associated Flood Insurance Study (FIS) report are issued as of August 1, 2025, for Howard County, Maryland and Incorporated Areas. 

These preliminary maps have been released for public review and comment. Preliminary FIRMs and FIS reports, as well as effective data, can be accessed using the links below:

Hard copies of the Preliminary Flood Insurance Rate Maps (FIRMs) and the associated Flood Insurance Study (FIS) report are also available for viewing at the Bureau of Environmental Services, 9801 Broken Land Parkway, Columbia, MD 21046.

The preliminary flood hazard data shall be deemed the best available data pursuant to section 16.703(c) of SUBTITLE 7. - FLOODPLAIN of the Howard County Code. According to Sec. 16.704. - Use and interpretations of FIRMs: 

(5) If a preliminary flood insurance rate map and/or a preliminary flood insurance study has been provided by FEMA:

(i) Upon the issuance of a letter of final determination by FEMA, the preliminary flood hazard data shall be used and shall replace the flood hazard data previously provided from FEMA for the purposes of administering these regulations.

(ii) Prior to the issuance of a letter of final determination by FEMA, the use of preliminary flood hazard data shall be deemed the best available data pursuant to section 16.703(c) of this subtitle and used where no base flood elevations or floodway areas are provided on the effective FIRM.

(iii) Prior to issuance of a letter of final determination by FEMA, the use of preliminary flood hazard data is permitted where the preliminary base flood elevations or floodway areas exceed the base flood elevations and/or designated floodway widths in existing flood hazard data provided by FEMA. Such preliminary data may be subject to change or appeal to FEMA.

 

Visit Howard County Code SUBTITLE 7. - FLOODPLAIN

Visit Howard County Code Section 16.704. - Use and interpretations of FIRMs

Visit Howard County Code Section 16.703(c)

Appeals and Comments

According to the August 21, 2026, Federal Register Notice, FEMA seeks comments on their proposed flood hazard determinations for Howard County. (Visit the Federal Register Notice.) The appeal period for FEMA's Preliminary Flood Insurance Rate Maps (FIRMs) and associated Flood Insurance Study (FIS) report opens on September 29, 2026, and concludes exactly 90 days later on December 28, 2026. Residents, business owners and other community partners are encouraged to review the updated maps to learn about local flood risks and potential future flood insurance requirements. 

  • Appeals address concerns that the modeling or data used to create the map is technically or scientifically incorrect. Appeals must include technical documentation to support the claim, such as hydraulic or hydrologic data, information provided on the FEMA Preliminary Map information, surveys, topographic maps, engineering studies, data, etc. Appeals should also demonstrate that better methodologies, assumptions, or data exist. Appeals cannot be based on the effects of proposed projects or projects started after the study is in progress.
  • Comments address a perceived map error such as an incorrect or missing street name, corporate boundary, etc. A detailed description of the issue should be submitted. Supporting documentation may not be required.

Additional information on how to submit appeals and comments is forthcoming.

Following the resolution of the appeals and comments, FEMA will notify Howard County of the effective date of the final maps, estimated to be around September 2027.

Public Information Session

An in-person Public Information Session will be held for property owners and residents affected by the proposed map changes. 

 

Wednesday, October 7, 2026

6:00 - 8:00 pm

Capitoline Building 

8360 Court Avenue 

Ellicott City, MD 21043 

About

Flood protection activities such as maintaining floodplain information, capital improvement programs, and drainage improvement projects help save lives and property when a flood occurs.

The Flood Mitigation Plan (FMP) and the Natural Hazard Mitigation Plan (NHMP) are updated every five years and reviewed by the Federal Emergency Management Agency (FEMA). Visit the Office of Emergency Management's website to view the FMP and NHMP. 

Visit Howard County's FEMA Flood Insurance Rate Maps page

Visit FloodSmart - The National Flood Insurance Programfloodsmart@fema.dhs.gov

Search FEMA Publications

Visit the Association of State Floodplain Managers (ASFPM) Reduce Flood Risk Tool

In this color photo of a stormwater pond, the high water level approaches a "No swimming" water hazard sign.

April is Maryland Flood Awareness Month!

Flooding is the number one natural hazard in Maryland. Therefore, April is designated Flood Awareness Month in Maryland so that local, state, federal, academic, business, and non-profit partners can share information and tools that will allow you to:

KNOW - Know your flood risk at home, work, etc.
PLAN - Develop a plan for reducing your risk
ACT - Take action!

Contact the Howard County Stormwater Management Division at DoIFlood@HowardCountyMD.gov or by calling 410-313-6444 to find out more about your flood risk. Follow #FloodAwareMD on your favorite social media platforms for flood awareness tips throughout the month of April. And click on the link below to learn more about Maryland Flood Awareness Month from the Maryland Resiliency Partnership. 

This is a color graphic of a cityscape in Maryland colors of red, yellow, and black. The lower level of the buildings are flooded with water. Text reads "Maryland Flood Awareness Month."

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