Home Insurance in Washington County, Maine
The median home value in Washington County is $161,800, 45% lower than the Maine median.
The typical home in Washington County was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 2 points above Maine's 34%.
The housing stock in Washington County is 82% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Washington County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Washington County are owner-occupied. The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Washington County, 59% of homes are primarily heated with fuel oil.
The top hazards for Washington County, per FEMA's National Risk Index, are winter weather (Relatively High), hurricane (Relatively Moderate) and coastal flooding (Relatively Moderate).
As of September 2026, Washington County has 119 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Maine, the statewide average premium for a standard HO-3 homeowners policy is $1,150 per year (NAIC, 2023 data).
Key figures
| Median home value | $161,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hurricane (Relatively Moderate), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 119 |
| 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)