Home Insurance in Aberdeen, Maryland
With a median home value of $261,400, Aberdeen is 32% lower than the Harford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Aberdeen was built around 1977. About 28% of homes were built before 1960, about 16 points above Harford County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Aberdeen is 69% single-family homes, 24% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Aberdeen, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Aberdeen are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Aberdeen, 48% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Harford County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Harford County had 756 active NFIP flood policies as of September 2026. See the full Harford 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 | $261,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Harford County | 756 |
| 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)