Home Insurance in Rockland, Maine
The median home value in Rockland is $245,800, 24% lower than the Knox County median.
The typical home in Rockland was built around 1948. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 16 points above Knox County's 41%.
The housing stock in Rockland is 57% single-family homes, 15% apartments in buildings with 5+ units and 5% 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.
About 62% of owner-occupied homes in Rockland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rockland has an owner-occupancy rate of 62% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Rockland - 56% - are primarily heated with fuel oil.
What's the biggest home insurance risk near Rockland? FEMA's National Risk Index points to winter weather (Relatively High) in Knox County and Knox County had 396 active NFIP flood policies as of September 2026. See the full Knox County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Maine carries a statewide average premium of $1,150 per year.
Key figures
| Median home value | $245,800 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Knox County | 396 |
| Home insurance premium | $1,150 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)