Flood zones define federal requirements, not actual flood risk. Properties outside high-risk zones still flood — and standard homeowners policies never cover flood damage, regardless of zone. If your property is anywhere near the Delaware or Maryland coast, flood coverage is worth a serious conversation before the next storm season.

Windstorm insurance covers damage caused by wind events — hurricanes, nor'easters, and severe coastal storms. In Delaware and Maryland, many coastal properties require a separate windstorm policy or carry a windstorm deductible that works differently from your standard homeowners deductible. Whether you need it — and how much it should cover — depends on where your property sits and what your current policy actually says.

There's no single number — beach house insurance in Maryland varies based on the property's distance from the water, its construction type, prior claims, and which carriers will write it. Coastal properties often require placements through specialty markets, which affects both the premium and the coverage structure. The only accurate answer comes from running a specific property through the carriers Susan works with.