Home Insurance in Crisfield, Maryland
The median home value in Crisfield is $137,900, 20% lower than the Somerset County median.
The typical home in Crisfield was built around 1971. About 40% of homes were built before 1960, about 15 points above Somerset County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Crisfield, the housing stock is 67% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Crisfield, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 55% of occupied homes in Crisfield are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Crisfield 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 Crisfield? FEMA's National Risk Index points to coastal flooding (Relatively High) in Somerset County and Somerset County had 1,860 active NFIP flood policies as of September 2026. See the full Somerset County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $137,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Coastal Flooding (Relatively High) |
| Active NFIP policies in Somerset County | 1,860 |
| 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)