Home Insurance in North Beach, Maryland
Homes in North Beach carry a median value of $394,000 - 14% lower than the Calvert County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in North Beach was built around 1991. About 31% of homes were built before 1960, about 20 points above Calvert County's 11%.
In North Beach, the housing stock is 75% single-family homes and 23% apartments in buildings with 5+ units.
In North Beach, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in North Beach are owner-occupied.
85% of homes in North Beach 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.
FEMA rates Calvert County's overall risk as Very Low, led by hurricane (Relatively Moderate). Calvert County had 742 active NFIP flood policies as of September 2026. See the full Calvert County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $394,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Calvert County | 742 |
| 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)