Home Insurance in Capitol Heights, Maryland
The median home value in Capitol Heights is $331,900, 22% lower than the Prince George's County median.
The typical home in Capitol Heights was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 26 points above Prince George's County's 21%.
In Capitol Heights, the housing stock is 91% single-family homes and 9% apartments in buildings with 5+ units.
In Capitol Heights, about 85% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Capitol Heights are owner-occupied.
In Capitol Heights, 58% of homes are primarily heated with electricity.
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 | $331,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 85% |
| 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
- Seat Pleasant
- District Heights
- Fairmount Heights
- Cheverly
- Morningside
- Colmar Manor
- Glenarden
- Landover Hills
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)