Home Insurance in Rosemont, Maryland
The median home value in Rosemont is $437,900, 6% lower than the Frederick County median.
The typical home in Rosemont was built around 1954. About 61% of homes were built before 1960, about 44 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.
The housing stock in Rosemont is 100% single-family homes.
61% of owner-occupied homes in Rosemont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Rosemont are owner-occupied.
Most homes in Rosemont - 50% - 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.
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 | $437,900 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)