Home Insurance in Anne Arundel County, Maryland
The median home value in Anne Arundel County is $467,900, 11% higher than the Maryland median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Anne Arundel County was built around 1983. About 19% of homes were built before 1960, about 7 points below Maryland's 26%.
In Anne Arundel County, the housing stock is 81% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Anne Arundel County, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Anne Arundel County has an owner-occupancy rate of 75% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
50% of homes in Anne Arundel County are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Anne Arundel County, per FEMA's National Risk Index, are winter weather (Relatively High), strong wind (Relatively High) and hurricane (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Anne Arundel County has 5,196 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Maryland is $1,578 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $467,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively High), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 5,196 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Towns and cities
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)