Home Insurance in Barnesville, Maryland
The median home value in Barnesville is $730,300, 14% higher than the Montgomery County median.
The typical home in Barnesville was built around 1951. About 58% of homes were built before 1960, about 38 points above Montgomery County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Barnesville is 100% single-family homes.
In Barnesville, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Barnesville has an owner-occupancy rate of 97% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
49% of homes in Barnesville 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.
Montgomery County had 2,097 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Montgomery 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 | $730,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Montgomery County | 2,097 |
| 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)