Home Insurance in Rising Sun, Maryland
The median home value in Rising Sun is $309,100, 10% lower than the Cecil County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Rising Sun was built around 1988. About 20% of homes were built before 1960, in line with Cecil County (20%).
The housing stock in Rising Sun is 69% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 81% of owner-occupied homes in Rising Sun have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rising Sun has an owner-occupancy rate of 58% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Rising Sun, 50% 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.
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 | $309,100 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)