Home Insurance in Berwyn Heights, Maryland
Homes in Berwyn Heights carry a median value of $429,800 - close to the Prince George's County median.
The typical home in Berwyn Heights was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 37 points above Prince George's County's 21%.
In Berwyn Heights, the housing stock is 96% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Berwyn Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Berwyn Heights are owner-occupied.
Most homes in Berwyn Heights - 68% - 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.
Prince George's County had 3,150 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Prince George's 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 | $429,800 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Prince George's County | 3,150 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Nearby towns
- College Park
- Greenbelt
- Riverdale Park
- University Park
- New Carrollton
- Hyattsville
- Edmonston
- Bladensburg
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)