Home Insurance in Vienna, Maryland
The median home value in Vienna is $229,400, 13% lower than the Dorchester County median.
The typical home in Vienna was built around 1942. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 72% of homes were built before 1960, about 34 points above Dorchester County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Vienna is 94% single-family homes and 5% mobile or manufactured homes.
75% of owner-occupied homes in Vienna carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Vienna has an owner-occupancy rate of 77% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
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 Vienna - 61% - are primarily heated with electricity.
Dorchester County's top FEMA-rated hazard is coastal flooding (Relatively High), per FEMA's National Risk Index. 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.
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 | $229,400 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)