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Talbot County, Maryland, with more than 600 miles of shoreline is part of FEMA's Community Rating System, which helps lower flood insurance premiums for residents. (Photo: Shutterstock/Jon Bilous)

Although most flood insurance policyholders faced recent increases, residents of Talbot County, on Maryland’s Eastern Shore bordering Chesapeake Bay, have received a reduction in their flood insurance premiums through the county’s increase of various floodplain management measures encouraged by the National Flood Insurance Program (NFIP).


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