Home Insurance in Kensington, Maryland
Homes in Kensington carry a median value of $943,500 - 47% higher than the Montgomery County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kensington was built around 1959. About 53% of homes were built before 1960, about 33 points above Montgomery County's 20%.
In Kensington, the housing stock is 53% single-family homes and 41% apartments in buildings with 5+ units.
80% of owner-occupied homes in Kensington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 51% of occupied homes in Kensington are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kensington, 59% of homes are primarily heated with natural gas.
FEMA rates Montgomery County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $943,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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
- Chevy Chase View
- Garrett Park
- North Chevy Chase
- Chevy Chase Section Five
- Chevy Chase
- Martin's Additions
- Chevy Chase Section Three
- 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)