Home Insurance in Queen Anne's County, Maryland
The median home value in Queen Anne's County is $462,700, 10% higher than the Maryland median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Queen Anne's County was built around 1990. About 13% of homes were built before 1960, about 14 points below Maryland's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Queen Anne's County is 88% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Queen Anne's County, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 83% of occupied homes in Queen Anne's County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Queen Anne's County - 64% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), coastal flooding (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Queen Anne's County.
Queen Anne's County had 2,111 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $462,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Coastal Flooding (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,111 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)