Home Insurance in Morningside, Maryland
With a median home value of $296,700, Morningside is 30% lower than the Prince George's County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Morningside was built around 1950. About 81% of homes were built before 1960, about 60 points above Prince George's County's 21%.
In Morningside, the housing stock is 100% single-family homes.
76% of owner-occupied homes in Morningside carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Morningside has an owner-occupancy rate of 87% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Morningside, 62% 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.
The statewide average premium for a standard HO-3 homeowners policy in Maryland is $1,578 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $296,700 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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
- District Heights
- Capitol Heights
- Seat Pleasant
- Fairmount Heights
- Forest Heights
- Cheverly
- Glenarden
- Upper Marlboro
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)