Home Insurance in Rockville, Maryland
Homes in Rockville carry a median value of $682,300 - 7% higher than the Montgomery County median.
The typical home in Rockville was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 2 points below Montgomery County's 20%.
In Rockville, the housing stock is 54% single-family homes and 43% apartments in buildings with 5+ units.
About 67% of owner-occupied homes in Rockville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rockville has an owner-occupancy rate of 53% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
60% of homes in Rockville 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.
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 | $682,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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
- Washington Grove
- Garrett Park
- Gaithersburg
- Kensington
- Chevy Chase View
- North Chevy Chase
- Glen Echo
- Chevy Chase
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)