Home Insurance in Mount Rainier, Maryland
The median home value in Mount Rainier is $529,600, 24% higher than the Prince George's County median.
The typical home in Mount Rainier was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 31 points above Prince George's County's 21%.
In Mount Rainier, the housing stock is 28% single-family homes and 50% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mount Rainier, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mount Rainier has an owner-occupancy rate of 23% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Mount Rainier - 53% - 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.
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 | $529,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 23% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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
- Brentwood
- North Brentwood
- Cottage City
- Hyattsville
- Colmar Manor
- Edmonston
- Bladensburg
- University Park
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)