Home Insurance in Forest Heights, Maryland
The median home value in Forest Heights is $371,700, 13% lower than the Prince George's County median.
The typical home in Forest Heights was built around 1954. About 75% of homes were built before 1960, about 53 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.
Housing in Forest Heights breaks down to 100% single-family homes.
In Forest Heights, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 94% of occupied homes in Forest Heights are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Forest Heights, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Forest Heights? 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.
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 | $371,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Morningside
- Capitol Heights
- District Heights
- Fairmount Heights
- Seat Pleasant
- Colmar Manor
- Cottage City
- Mount Rainier
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)