Home Insurance in Denton, Maryland
The median home value in Denton is $234,600, 19% lower than the Caroline County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Denton was built around 1967. About 48% of homes were built before 1960, about 18 points above Caroline County's 29%.
In Denton, the housing stock is 67% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Denton, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 48% of occupied homes in Denton are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Denton are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Caroline County had 171 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Caroline 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 | $234,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Caroline County | 171 |
| 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)