Home Insurance in York County, Maine
With a median home value of $395,700, York County is 33% higher than the Maine median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in York County was built around 1980. About 31% of homes were built before 1960, about 3 points below Maine's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in York County is 74% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in York County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
York County has an owner-occupancy rate of 77% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in York County - 60% - are primarily heated with fuel oil. 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.
The top hazards for York County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), coastal flooding (Relatively High) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, York County has 3,737 active NFIP flood policies on file.
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 | $395,700 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Coastal Flooding (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 3,737 |
| 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)