Home Insurance in Church Hill, Maryland
Homes in Church Hill carry a median value of $306,500 - 34% lower than the Queen Anne's County median.
The typical home in Church Hill was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 22 points above Queen Anne's County's 13%.
The housing stock in Church Hill is 76% single-family homes, 3% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 83% of owner-occupied homes in Church Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Church Hill has an owner-occupancy rate of 81% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Church Hill - 50% - 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.
Queen Anne's County had 2,111 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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 | $306,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)