Home Insurance in Queenstown, Maryland
The median home value in Queenstown is $384,800, 17% lower than the Queen Anne's County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Queenstown was built around 1976. About 30% of homes were built before 1960, about 17 points above Queen Anne's County's 13%.
In Queenstown, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Queenstown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Queenstown are owner-occupied.
In Queenstown, 80% of homes 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.
What's the biggest home insurance risk near Queenstown? FEMA's National Risk Index points to hurricane (Relatively Low) in Queen Anne's County and 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 | $384,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)