Home Insurance in Cumberland County, Maine
Homes in Cumberland County carry a median value of $451,200 - 52% higher than the Maine median.
The typical home in Cumberland County was built around 1976. About 35% of homes were built before 1960, about 1 point above Maine's 34%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cumberland County is 68% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Cumberland County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cumberland County has an owner-occupancy rate of 70% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Cumberland County, 46% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Very High), hurricane (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Cumberland County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Cumberland County had 1,551 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Maine is $1,150 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $451,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Hurricane (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 1,551 |
| Home insurance premium | $1,150 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)