Home Insurance in Templeville, Maryland
The typical home in Templeville was built around 1972. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 15 points above Caroline County's 29%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Templeville is 70% single-family homes and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 83% of owner-occupied homes in Templeville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Templeville are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Templeville - 53% - are primarily heated with natural gas.
Caroline County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
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 year built | 1972 |
|---|---|
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)