Home Insurance in Cottage City, Maryland
Homes in Cottage City carry a median value of $343,100 - 19% lower than the Prince George's County median.
The typical home in Cottage City was built around 1953. About 59% of homes were built before 1960, about 37 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.
In Cottage City, the housing stock is 79% single-family homes and 15% apartments in buildings with 5+ units.
75% of owner-occupied homes in Cottage City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cottage City has an owner-occupancy rate of 73% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
65% of homes in Cottage City are primarily heated with natural gas.
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.
The statewide average premium for a standard HO-3 homeowners policy in Maryland is $1,578 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $343,100 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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
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)