Home Insurance in La Plata, Maryland
Homes in La Plata carry a median value of $428,400 - close to the Charles County median.
The typical home in La Plata was built around 1995. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 5 points below Charles County's 9%.
In La Plata, the housing stock is 83% single-family homes and 16% apartments in buildings with 5+ units.
In La Plata, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in La Plata are owner-occupied.
Most homes in La Plata - 84% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Charles County's overall risk as Relatively Low, led by hurricane (Relatively Low). Charles County had 573 active NFIP flood policies as of September 2026. See the full Charles County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Maryland, the statewide average premium for a standard HO-3 homeowners policy is $1,578 per year (NAIC, 2023 data).
Key figures
| Median home value | $428,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Charles County | 573 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Nearby towns
- Port Tobacco Village
- Indian Head
- Eagle Harbor
- Forest Heights
- Morningside
- Upper Marlboro
- District Heights
- Capitol Heights
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)