Home Insurance in Seat Pleasant, Maryland
The median home value in Seat Pleasant is $326,900, 23% lower than the Prince George's County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Seat Pleasant was built around 1962. About 43% of homes were built before 1960, about 22 points above Prince George's County's 21%.
Housing in Seat Pleasant breaks down to 67% single-family homes, 30% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 81% of owner-occupied homes in Seat Pleasant have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Seat Pleasant has an owner-occupancy rate of 51% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
51% of homes in Seat Pleasant 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 | $326,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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
- Fairmount Heights
- Capitol Heights
- Cheverly
- District Heights
- Colmar Manor
- Glenarden
- Landover Hills
- 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)