Home Insurance in Westernport, Maryland
With a median home value of $86,300, Westernport is 44% lower than the Allegany County median.
The typical home in Westernport was built around 1944. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 61% of homes were built before 1960, about 10 points above Allegany County's 51%.
Housing in Westernport breaks down to 84% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
46% of owner-occupied homes in Westernport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Westernport has an owner-occupancy rate of 74% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 65% of homes in Westernport are primarily heated with natural gas.
What's the biggest home insurance risk near Westernport? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Allegany County and Allegany County had 161 active NFIP flood policies as of September 2026. See the full Allegany County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Maryland, the statewide average premium for a standard HO-3 homeowners policy is $1,578 per year (NAIC, 2023 data).
Key figures
| Median home value | $86,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Allegany County | 161 |
| Home insurance premium | $1,578 - 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)