Home Insurance in Middletown, Maryland
The median home value in Middletown is $554,800, 19% higher than the Frederick County median.
The typical home in Middletown was built around 1997. About 21% of homes were built before 1960, about 4 points above Frederick County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Middletown breaks down to 92% single-family homes and 6% apartments in buildings with 5+ units.
80% of owner-occupied homes in Middletown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 82% of occupied homes in Middletown are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Middletown - 58% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Frederick County's overall risk as Relatively Low, led by winter weather (Relatively High). Frederick County had 577 active NFIP flood policies as of September 2026. See the full Frederick County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $554,800 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Frederick County | 577 |
| 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)