Home Insurance in Bowie, Maryland
The median home value in Bowie is $459,300, 8% higher than the Prince George's County median.
The typical home in Bowie was built around 1982. About 5% of homes were built before 1960, about 17 points below Prince George's County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Bowie breaks down to 90% single-family homes and 9% apartments in buildings with 5+ units.
In Bowie, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bowie has an owner-occupancy rate of 84% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Bowie - 63% - are primarily heated with natural gas.
Prince George's County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Prince George's County had 3,150 active NFIP flood policies as of September 2026. 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 | $459,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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
- Glenarden
- New Carrollton
- Greenbelt
- Landover Hills
- Seat Pleasant
- Upper Marlboro
- Cheverly
- Berwyn Heights
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)