Home Insurance in Marydel, Maryland
The median home value in Marydel is $184,100, 37% lower than the Caroline County median.
The typical home in Marydel was built around 1948. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 57% of homes were built before 1960, about 27 points above Caroline County's 29%.
In Marydel, the housing stock is 94% single-family homes.
In Marydel, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marydel has an owner-occupancy rate of 84% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Marydel, 60% of homes are primarily heated with fuel oil.
What's the biggest home insurance risk near Marydel? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Caroline County and Caroline County had 171 active NFIP flood policies as of September 2026. 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 | $184,100 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)