Home Insurance in Barclay, Maryland
With a median home value of $275,000, Barclay is 41% lower than the Queen Anne'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 Barclay was built around 1986. About 20% of homes were built before 1960, about 8 points above Queen Anne's County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Barclay is 65% single-family homes and 27% mobile or manufactured homes.
About 54% of owner-occupied homes in Barclay have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 48% of occupied homes in Barclay are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 63% of homes in Barclay are primarily heated with electricity.
FEMA rates Queen Anne's County's overall risk as Very Low, led by hurricane (Relatively Low). Queen Anne's County had 2,111 active NFIP flood policies as of September 2026. See the full Queen Anne's County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Maryland carries a statewide average premium of $1,578 per year.
Key figures
| Median home value | $275,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Queen Anne's County | 2,111 |
| Home insurance premium | $1,578 - statewide average (NAIC, 2023 data) |
Nearby towns
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)