Home Insurance in Brookeville, Maryland
Homes in Brookeville carry a median value of $828,100 - 29% higher than the Montgomery County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brookeville was built around 1940. About 65% of homes were built before 1960, about 45 points above Montgomery County's 20%.
Housing in Brookeville breaks down to 100% single-family homes.
71% of owner-occupied homes in Brookeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Brookeville are owner-occupied.
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. 41% of homes in Brookeville are primarily heated with electricity.
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.
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 | $828,100 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- Laytonsville
- Washington Grove
- Gaithersburg
- Rockville
- Garrett Park
- Kensington
- Chevy Chase View
- Laurel
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)