Home Insurance in Sudlersville, Maryland
With a median home value of $302,900, Sudlersville is 35% lower than the Queen Anne's County median.
The typical home in Sudlersville was built around 1973. About 47% of homes were built before 1960, about 34 points above Queen Anne's County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Sudlersville is 57% single-family homes and 30% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Sudlersville, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 44% of occupied homes in Sudlersville are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sudlersville - 67% - are primarily heated with electricity. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Queen Anne's County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. 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.
In Maryland, the statewide average premium for a standard HO-3 homeowners policy is $1,578 per year (NAIC, 2023 data).
Key figures
| Median home value | $302,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)