Home Insurance in Perryville, Maryland
With a median home value of $295,200, Perryville is 14% lower than the Cecil County median.
The typical home in Perryville was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 2 points below Cecil County's 20%.
The housing stock in Perryville is 68% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Perryville, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Perryville are owner-occupied.
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 Perryville, 52% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Perryville? FEMA's National Risk Index points to winter weather (Relatively High) in Cecil County and 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 | $295,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)