Home Insurance in Biddeford, Maine
Homes in Biddeford carry a median value of $396,600 - close to the York County median.
The typical home in Biddeford was built around 1952. About 56% of homes were built before 1960, about 25 points above York County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Biddeford is 43% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in Biddeford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Biddeford are owner-occupied.
Most homes in Biddeford - 64% - 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 rates York County's overall risk as Relatively Moderate, led by hurricane (Relatively Moderate). York County had 3,737 active NFIP flood policies as of September 2026. See the full York County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $396,600 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in York County | 3,737 |
| 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)