Home Insurance in Riverdale Park, Maryland
The median home value in Riverdale Park is $475,800, 12% higher than the Prince George's County median.
The typical home in Riverdale Park was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 54% of homes were built before 1960, about 33 points above Prince George's County's 21%.
In Riverdale Park, the housing stock is 57% single-family homes and 41% apartments in buildings with 5+ units.
About 84% of owner-occupied homes in Riverdale Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Riverdale Park are owner-occupied.
In Riverdale Park, 69% of homes are primarily heated with natural gas.
Prince George's County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $475,800 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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
- University Park
- Edmonston
- Hyattsville
- Bladensburg
- Berwyn Heights
- North Brentwood
- College Park
- Brentwood
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)