Home Insurance in Mount Airy, Maryland
The median home value in Mount Airy is $487,400, 12% higher than the Carroll County median.
The typical home in Mount Airy was built around 1995. About 10% of homes were built before 1960, about 7 points below Carroll County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Mount Airy is 97% single-family homes.
About 79% of owner-occupied homes in Mount Airy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Mount Airy are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mount Airy, 47% of homes are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Mount Airy? FEMA's National Risk Index points to strong wind (Relatively High) in Carroll County and Carroll County had 193 active NFIP flood policies as of September 2026. See the full Carroll 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 | $487,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Carroll County | 193 |
| 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)