Home Insurance in Eastport, Maine
Homes in Eastport carry a median value of $179,800 - 11% higher than the Washington County median.
The typical home in Eastport was built around 1941. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 28 points above Washington County's 36%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eastport is 72% single-family homes, 12% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Eastport, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Eastport are owner-occupied. The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Eastport - 51% - 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.
Washington County had 119 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $179,800 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Washington County | 119 |
| 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)