Home Insurance in Greenbelt, Maryland
Homes in Greenbelt carry a median value of $255,400 - 40% lower than the Prince George's County median.
The typical home in Greenbelt was built around 1974. About 27% of homes were built before 1960, about 6 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 Greenbelt, the housing stock is 39% single-family homes and 59% apartments in buildings with 5+ units.
In Greenbelt, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greenbelt has an owner-occupancy rate of 47% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Greenbelt, 56% of homes are primarily heated with electricity.
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.
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 | $255,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- Berwyn Heights
- New Carrollton
- College Park
- Riverdale Park
- University Park
- Landover Hills
- Edmonston
- Bladensburg
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)