Home Insurance in District Heights, Maryland
The median home value in District Heights is $339,200, 20% lower than the Prince George's County median.
The typical home in District Heights was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 46% of homes were built before 1960, about 25 points above Prince George's County's 21%.
The housing stock in District Heights is 74% single-family homes and 17% apartments in buildings with 5+ units.
80% of owner-occupied homes in District Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in District Heights are owner-occupied.
In District Heights, 56% of homes are primarily heated with natural gas.
FEMA rates Prince George's County's overall risk as Relatively Moderate, led by winter weather (Very High). 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.
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 | $339,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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
- Capitol Heights
- Morningside
- Seat Pleasant
- Fairmount Heights
- Cheverly
- Glenarden
- Colmar Manor
- 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)