HomeInsuranceQts

Home Insurance in Woodsboro, Maryland

The median home value in Woodsboro is $472,000, close to the Frederick County median.

The typical home in Woodsboro was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 29% of homes were built before 1960, about 12 points above Frederick County's 17%.

The housing stock in Woodsboro is 85% single-family homes and 13% apartments in buildings with 5+ units.

In Woodsboro, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 77% of occupied homes in Woodsboro are owner-occupied.

Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Woodsboro - 64% - are primarily heated with electricity.

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.

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$472,000
Median year built1993
Owner-occupied share77%
Share of owner-occupied homes with a mortgage74%
Top county hazardWinter Weather (Relatively High)
Active NFIP policies in Frederick County577
Home insurance premium$1,578 - statewide average (NAIC, 2023 data)
Key home insurance figures for Woodsboro, MD

Nearby towns

Sources

Data last updated: 2026-09-29