Home Insurance in Henderson, Maryland
The median home value in Henderson is $75,800, 74% lower than the Caroline County median.
The typical home in Henderson was built around 1971. About 12% of homes were built before 1960, about 18 points below Caroline County's 29%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Henderson is 55% single-family homes and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Henderson carry a mortgage.
About 36% of occupied homes in Henderson are owner-occupied. The vacancy rate is 24%; 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. 44% of homes in Henderson are primarily heated with propane.
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.
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 | $75,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)