Home Insurance in Deer Park, Maryland
With a median home value of $159,600, Deer Park is 32% lower than the Garrett County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Deer Park was built around 1976. About 21% of homes were built before 1960, in line with Garrett County (22%).
The housing stock in Deer Park is 69% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Deer Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Deer Park are owner-occupied.
30% of homes in Deer Park are primarily heated with fuel oil. 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's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Garrett County had 74 active NFIP flood policies as of September 2026. See the full Garrett County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Maryland is $1,578 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $159,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)