Home Insurance in Havre de Grace, Maryland
The median home value in Havre de Grace is $392,900, close to the Harford County median.
The typical home in Havre de Grace was built around 1992. About 24% of homes were built before 1960, about 12 points above Harford County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Havre de Grace breaks down to 75% single-family homes and 16% apartments in buildings with 5+ units.
About 70% of owner-occupied homes in Havre de Grace have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Havre de Grace are owner-occupied.
Most homes in Havre de Grace - 53% - are primarily heated with natural gas.
What's the biggest home insurance risk near Havre de Grace? FEMA's National Risk Index points to winter weather (Relatively High) in Harford County and 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 | $392,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)