Home Insurance in Cecilton, Maryland
With a median home value of $241,800, Cecilton is 30% lower than the Cecil County median.
The typical home in Cecilton was built around 1976. About 31% of homes were built before 1960, about 12 points above Cecil County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cecilton, the housing stock is 78% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Cecilton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Cecilton are owner-occupied.
In Cecilton, 47% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Cecil County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Cecil County had 834 active NFIP flood policies as of September 2026. See the full Cecil 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 | $241,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Cecil County | 834 |
| 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)