Home Insurance in Brentwood, Maryland
With a median home value of $412,500, Brentwood is close to the Prince George's County median.
The typical home in Brentwood was built around 1950. About 64% of homes were built before 1960, about 43 points above Prince George's County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Brentwood breaks down to 55% single-family homes and 39% apartments in buildings with 5+ units.
About 77% of owner-occupied homes in Brentwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brentwood has an owner-occupancy rate of 41% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
59% of homes in Brentwood 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.
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 | $412,500 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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
- North Brentwood
- Mount Rainier
- Cottage City
- Hyattsville
- Colmar Manor
- Edmonston
- Bladensburg
- University Park
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)