Home Insurance in Eagle Harbor, Maryland
With a median home value of $167,400, Eagle Harbor is 61% lower than the Prince George's County median.
The typical home in Eagle Harbor was built around 1948. About 73% of homes were built before 1960, about 52 points above Prince George's County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Eagle Harbor is 86% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 97% of owner-occupied homes in Eagle Harbor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Eagle Harbor are owner-occupied.
90% of homes in Eagle Harbor are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Eagle Harbor? FEMA's National Risk Index points to winter weather (Very High) in Prince George's County and 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 | $167,400 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 97% |
| 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
- Chesapeake Beach
- North Beach
- La Plata
- Upper Marlboro
- Leonardtown
- Port Tobacco Village
- Morningside
- District 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)