Home Insurance in Secretary, Maryland
The median home value in Secretary is $172,000, 34% lower than the Dorchester County median.
The typical home in Secretary was built around 1973. About 40% of homes were built before 1960, about 2 points above Dorchester County's 37%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Secretary, the housing stock is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Secretary have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Secretary has an owner-occupancy rate of 70% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Secretary - 72% - 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.
What's the biggest home insurance risk near Secretary? FEMA's National Risk Index points to coastal flooding (Relatively High) in Dorchester County and Dorchester County had 1,545 active NFIP flood policies as of September 2026. See the full Dorchester County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $172,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Coastal Flooding (Relatively High) |
| Active NFIP policies in Dorchester County | 1,545 |
| 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)