Cecil County, MD flood risk explained
Flood hazard in Cecil County sits at the 60.8th national percentile, below the national norm for flood hazard; split between inland river flooding (about 2.5 times a year) and coastal storm surge (about 3.7 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 928 homes FEMA counts inside Cecil County's mapped flood zone, 378 carry the flood policy federal law requires there — 40.7% compliance, short of full coverage. Looking beyond the mandated zone, 1.4% of all residential structures in Cecil County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Cecil County ranks
Among the 3144 US counties FEMA scores for flood hazard, Cecil County ranks 1288 — 1 being the highest hazard nationally — and 591 by population among all 3144 counties covered here, where 1 is the largest. Cecil County, Maryland covers 346.3 square miles and counts roughly 106,305 residents.
Your street may differ from Cecil County's average
533 of Cecil County's 38,662 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Cecil County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Cecil County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.