Talk about piss-poor concert etiquette … a man allegedly whipped out his penis and pissed all over a family during Morgan Wallen’s Baltimore show … and now police are investigating.

Troy Grevelding tells TMZ … he was at Saturday’s concert at M&T Bank Stadium with his wife, brother and 8-year-old niece when a man directly behind them began urinating … splashing Troy, his family and another nearby group.

Troy says he and his wife could feel the stream run down their legs … and when he turned around, he claims the guy still had his junk out.

Event security booted the man … but Troy says the first Maryland State Police trooper to respond stated cops couldn’t arrest him because the trooper hadn’t witnessed the alleged incident.