Home Insurance in Port Tobacco Village, Maryland
In Port Tobacco Village, the housing stock is 100% single-family homes.
Almost no owner-occupied homes in Port Tobacco Village carry a mortgage.
All occupied homes in Port Tobacco Village are owner-occupied.
100% of homes in Port Tobacco Village are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Charles County had 573 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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
| Owner-occupied share | 100% |
|---|---|
| Share of owner-occupied homes with a mortgage | 0% |
| 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
- La Plata
- Indian Head
- Eagle Harbor
- Forest Heights
- Morningside
- District Heights
- Leonardtown
- Upper Marlboro
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)