Home Insurance in Glen Echo, Maryland
The median home value in Glen Echo is $1,163,500, 82% 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 median home in Glen Echo was built in 1939 or earlier. About 75% of homes were built before 1960, about 55 points above Montgomery County's 20%.
Housing in Glen Echo breaks down to 100% single-family homes.
About 60% of owner-occupied homes in Glen Echo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Glen Echo are owner-occupied.
Most homes in Glen Echo - 53% - 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.
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.
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 | $1,163,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Somerset
- Chevy Chase
- Chevy Chase Village
- Chevy Chase Section Three
- Chevy Chase Section Five
- Martin's Additions
- North Chevy Chase
- Chevy Chase View
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)