Home Insurance in Highland Beach, Maryland
The median home value in Highland Beach is $767,900, 64% higher than the Anne Arundel County median.
The typical home in Highland Beach was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 4 points above Anne Arundel County's 19%.
Housing in Highland Beach breaks down to 100% single-family homes.
About 89% of owner-occupied homes in Highland Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Highland Beach are owner-occupied. The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Highland Beach are primarily heated with electricity.
What's the biggest home insurance risk near Highland Beach? FEMA's National Risk Index points to winter weather (Relatively High) in Anne Arundel County and Anne Arundel County had 5,196 active NFIP flood policies as of September 2026. See the full Anne Arundel 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 | $767,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 89% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Anne Arundel County | 5,196 |
| 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)