Home Insurance in Edmonston, Maryland
With a median home value of $404,600, Edmonston is 5% lower than the Prince George's County median.
The typical home in Edmonston was built around 1959. About 52% of homes were built before 1960, about 31 points above Prince George's County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Edmonston, the housing stock is 62% single-family homes and 35% apartments in buildings with 5+ units.
73% of owner-occupied homes in Edmonston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 56% of occupied homes in Edmonston are owner-occupied.
In Edmonston, 64% 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.
In Maryland, the statewide average premium for a standard HO-3 homeowners policy is $1,578 per year (NAIC, 2023 data).
Key figures
| Median home value | $404,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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
- Bladensburg
- North Brentwood
- Riverdale Park
- Cottage City
- Brentwood
- Hyattsville
- University Park
- Colmar Manor
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)