Home Insurance in Accident, Maryland
With a median home value of $220,300, Accident is 6% lower than the Garrett County median.
The typical home in Accident was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 3 points above Garrett County's 22%.
In Accident, the housing stock is 59% single-family homes, 31% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Accident carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Accident has an owner-occupancy rate of 52% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Accident, 43% 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.
Garrett County had 74 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Garrett 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 | $220,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Garrett County | 74 |
| 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)