Home Insurance in Fairmount Heights, Maryland
Homes in Fairmount Heights carry a median value of $396,800 - 7% lower than the Prince George's County median.
The typical home in Fairmount Heights was built around 1964. About 43% of homes were built before 1960, about 22 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 Fairmount Heights, the housing stock is 94% single-family homes and 1% mobile or manufactured homes.
In Fairmount Heights, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairmount Heights has an owner-occupancy rate of 86% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Fairmount Heights, 46% of homes 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.
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 | $396,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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
- Cheverly
- Capitol Heights
- Colmar Manor
- Bladensburg
- Landover Hills
- Cottage City
- 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)