Home Insurance in Friendsville, Maryland
Homes in Friendsville carry a median value of $131,300 - 44% lower than the Garrett County median.
The typical home in Friendsville was built around 1959. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 52% of homes were built before 1960, about 31 points above Garrett County's 22%.
The housing stock in Friendsville is 57% single-family homes, 21% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Friendsville, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Friendsville has an owner-occupancy rate of 56% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Friendsville, 41% of homes are primarily heated with electricity.
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.
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 | $131,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)