Home Insurance in Myersville, Maryland
Homes in Myersville carry a median value of $525,700 - 13% higher than the Frederick County median.
The typical home in Myersville was built around 1995. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, about 5 points below Frederick County's 17%.
Housing in Myersville breaks down to 100% single-family homes.
81% of owner-occupied homes in Myersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Myersville are owner-occupied.
In Myersville, 75% of homes 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.
Frederick County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $525,700 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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)