Home Insurance in Walkersville, Maryland
Homes in Walkersville carry a median value of $488,300 - 5% higher than the Frederick County median.
The typical home in Walkersville was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 2 points above Frederick County's 17%.
In Walkersville, the housing stock is 86% single-family homes and 12% apartments in buildings with 5+ units.
In Walkersville, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Walkersville has an owner-occupancy rate of 87% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Walkersville, 58% of homes 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 had 577 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $488,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 87% |
| 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)