HomeInsuranceQts

Home Insurance in Goldsboro, Maryland

With a median home value of $232,500, Goldsboro is 20% lower than the Caroline County median.

The median home in Goldsboro was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 77% of homes were built before 1960, about 47 points above Caroline County's 29%.

Housing in Goldsboro breaks down to 100% single-family homes.

About 37% of owner-occupied homes in Goldsboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Goldsboro has an owner-occupancy rate of 81% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.

Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Goldsboro - 70% - are primarily heated with electricity.

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$232,500
Median year built1939 or earlier
Owner-occupied share81%
Share of owner-occupied homes with a mortgage37%
Top county hazardHurricane (Relatively Moderate)
Active NFIP policies in Caroline County171
Home insurance premium$1,578 - statewide average (NAIC, 2023 data)
Key home insurance figures for Goldsboro, MD

Nearby towns

Sources

Data last updated: 2026-09-29