Home Insurance in Garrett Park, Maryland
With a median home value of $1,005,700, Garrett Park is 57% higher than the Montgomery County median.
The typical home in Garrett Park was built around 1952. About 71% of homes were built before 1960, about 51 points above Montgomery County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Garrett Park breaks down to 100% single-family homes.
About 70% of owner-occupied homes in Garrett Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 97% of occupied homes in Garrett Park are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Garrett Park are primarily heated with natural gas.
Montgomery County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Montgomery County had 2,097 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Maryland, the statewide average premium for a standard HO-3 homeowners policy is $1,578 per year (NAIC, 2023 data).
Key figures
| Median home value | $1,005,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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
- Kensington
- Chevy Chase View
- North Chevy Chase
- Chevy Chase Section Five
- Chevy Chase
- Chevy Chase Section Three
- Martin's Additions
- Chevy Chase Village
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)