Home Insurance in Union Bridge, Maryland
The median home value in Union Bridge is $293,300, 32% lower than the Carroll County median.
The median home in Union Bridge was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 81% of homes were built before 1960, about 63 points above Carroll County's 18%.
The housing stock in Union Bridge is 81% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
84% of owner-occupied homes in Union Bridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Union Bridge has an owner-occupancy rate of 68% and a vacancy rate of 8%; 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. In Union Bridge, 41% of homes are primarily heated with electricity.
Carroll County had 193 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Maryland is $1,578 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $293,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)