Home Insurance in Frederick County, Maryland
With a median home value of $464,600, Frederick County is 11% higher than the Maryland median.
The typical home in Frederick County was built around 1991. About 17% of homes were built before 1960, about 9 points below Maryland's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Frederick County, the housing stock is 82% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Frederick County, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Frederick County has an owner-occupancy rate of 77% and a vacancy rate of 4%; 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. 51% of homes in Frederick County are primarily heated with electricity.
The top hazards for Frederick County, per FEMA's National Risk Index, are winter weather (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively Moderate).
Frederick County had 577 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.
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 | $464,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 577 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Towns and cities
- Brunswick
- Burkittsville
- Emmitsburg
- Frederick
- Middletown
- Myersville
- New Market
- Rosemont
- Thurmont
- Walkersville
- Woodsboro
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)