Home Insurance in Charles County, Maryland
Homes in Charles County carry a median value of $428,500 - close to the Maryland median.
The typical home in Charles County was built around 1991. About 9% of homes were built before 1960, about 17 points below Maryland's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Charles County, the housing stock is 90% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 81% of owner-occupied homes in Charles County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Charles County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Charles County - 55% - are primarily heated with electricity.
Per FEMA's National Risk Index, Charles County's top hazards are hurricane (Relatively Low), strong wind (Relatively Moderate) and winter weather (Relatively Moderate).
Charles County had 573 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $428,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 573 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)