Home Insurance in Baltimore County, Maryland
Homes in Baltimore County carry a median value of $349,300 - 17% lower than the Maryland median.
The typical home in Baltimore County was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 6 points above Maryland's 26%.
Housing in Baltimore County breaks down to 71% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Baltimore County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Baltimore County are owner-occupied.
Most homes in Baltimore County - 51% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Very High), strong wind (Relatively High) and inland flooding (Relatively High) as the leading hazards for Baltimore County.
Baltimore County had 3,354 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Maryland carries a statewide average premium of $1,578 per year.
Key figures
| Median home value | $349,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 3,354 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
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)