Home Insurance in Calvert County, Maryland
The median home value in Calvert County is $460,200, 10% higher than the Maryland median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Calvert County was built around 1990. About 11% of homes were built before 1960, about 15 points below Maryland's 26%.
The housing stock in Calvert County is 94% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Calvert County, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 87% of occupied homes in Calvert County are owner-occupied. The vacancy rate is 7%; 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. In Calvert County, 73% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Calvert County's top hazards are hurricane (Relatively Moderate), coastal flooding (Relatively Low) and winter weather (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Calvert County has 742 active NFIP flood policies on file.
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 | $460,200 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Coastal Flooding (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 742 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Towns and cities
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)